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Business Insurance Policies As a business owner working in today’s litigious society, there are many different types of coverage that your company may need in place not only to protect your business but to protect your personal assets as well. Which type of insurance and the correct policy amount differs depending on your type of business.  It’s important to mention that your insurance needs will also change over time, as your business continues to grow. 

 

MHG can help you determine which insurance will most benefit your needs; here are the five most common commercial insurance policies that are essential to almost every business: 

General Liability Insurance – General Liability insurance is the most basic form of business insurance available and protects you, the business owner, should someone suffer an injury and you are named liable. General Liability policies also provide coverage for property damage, advertising injury and personal injury, including slander. Should you be served with a lawsuit, this type of insurance could also pay defense costs and settlements even if the claims made against you are fraudulent. You should consider obtaining this coverage if you or your employees:

  • Visit a client’s place of work or if a client visits yours
  • Have access to a client’s equipment
  • Write or speak about a client’s business
  • Use third party locations for any business related activities
Commercial Property Insurance – Disaster can strike at any time. Commercial Property insurance can protect your businesses' assets and inventory against physical damage and loss of use due to theft, an accident or other means. If you are leasing office space or retail location, you may only need to purchase "contents" coverage to protect your fixtures, furniture, inventory, office equipment and supplies; however, if you've made 'improvements and betterments' to the space you're leasing, you may want to include those expenses in your insurance policy as well. No matter what size your business is you may qualify for a Business Owners Policy or a "BOP" which allows business owners to secure Commercial General Liability, Property Insurance and often, includes loss of income and extra expenses that you may suffer following a loss. 

Commercial Auto Insurance - Car accidents happen every day and as a business owner, you need to make sure you have the proper insurance coverage in place to protect you, your employees, your assets and get you back on the road as quickly as possible. As a rule of thumb, if the vehicle is used primarily for business purposes or is titled in the company's name, you should have a Commercial Auto policy regardless if you lease or own the vehicle. Commercial Auto policies may pay for damages or medical expenses sustained by you, an authorized driver on your policy, or a third party. Depending on the type of coverage you select, your company vehicle may also be insured against damage caused by a flood, fire, or theft. 

Employment Practices Liability Insurance (EPLI) – We unfortunately live in a very litigious society and it’s important for business owners to have the right coverage in place to protect themselves against frivolous and legitimate lawsuits made by current, former and potential employees. An EPLI policy protects the business, its directors and officers and employees against allegations of sexual harassment, discrimination, emotional distress and wrongful termination among others.

Workers Compensation Insurance - As a business owner, you do your best to provide your employees with a safe working environment; however, accidents happen and it is important to have the proper protection in place. Workers’ Comp policies are mandatory for all businesses employing four or more people although contractors are required to carry a Workers’ Comp policy if they have at least one employee. Workers’ Comp covers medical expenses and some portion of an employee’s wages if they were injured on the job. Accidental injuries, occupational diseases, and even death arising from the employee’s employment are covered under this policy. In the marine industry, The Longshore Harbor Worker’s Compensation Act (USL&H) provides similar Workers’ Comp benefits for employees working on navigable waters, on a dock, during a dry dock or other areas commonly used by vessels. Workers' Comp policies can be endorsed to offer coverage for the employee while working on land as well as for USL&H exposures.

The Insurance Specialists at MHG understand that every business is unique. We have the experience and resources to help you find and purchase the right insurance to meet the needs of your business. Let us help you protect your business, good name and reputation. 

Call and speak with one of our Insurance Specialists to discuss options to cover your company's risk appropriately at 954-828-1819 or visit MHG Insurance Brokers online at  https://mhginsurance.com/ to learn more. 

Common Business Insurance Policies

Vacation Health Insurance On Cruise Ship Leave Your vacation is just around the corner! As a Captain, Officer or Crewmember who has been working 12-14 hour days onboard for many months, you’re looking forward to your much deserved time off. Whether you’re heading home to relax and spend time with family and friends or are going off traveling, it’s important to keep your health in mind and purchase a vacation health insurance plan.

 

The Shoreside Health Insurance Plan, or SHIP, is an excellent solution for Captains, Officers and Crew who are looking for health insurance coverage while between contracts or on vacation. The opportunity to spend some time exploring foreign lands is priceless, but an accident such as a broken leg or motorcycle accident can quickly turn your dream vacation into a financial nightmare! 

SHIP is designed specifically for Captains, Officers and Crew working in the cruise industry and provides up to $500,000 in medical benefits for costs arising from an accident or an illness. Plans are surprisingly affordable, starting at just over $2 a day making vacation health insurance one of the smartest uses of your money! 

Coverage is available to all nationalities from 60 to 180 vacation days per year. Any unused days can be carried forward to your next sign off within the same policy year. Online enrollment is also simple and next day coverage is available, eliminating the danger of uncovered accidents as you wait for your policy to go into effect. 

SHIP also takes into account the outgoing and adventurous spirit that led you to a career traveling the world and offers an optional Adventure Sports Rider for the boldest adventurers. 

No matter where your vacation takes you, consider the cruise industry’s premier vacation health insurance policy to protect you during your next sign off period. Looking for a full-time international health insurance plan instead? Speak with an Insurance Specialist at MHG Insurance Brokers and we will help you identify the right solution for your particular circumstances. 

Additionally, MHG offers a full range of individual and group insurance plans  for marine professionals including marine crew insurance, disability income, life insurance and travel insurance among others. Whether you are setting off on an adventure-packed vacation, exploring or scuba diving with your shipboard friends, or are heading home to spend some quality time with your loved ones between contracts, an accident or illness can happen at any time and leave you facing medical expenses that could decimate your hard-earned savings. Be prepared with a vacation health insurance plan.

For more information about marine vacation health insurance and other marine insurance coverage, call us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com .

Getting Vacation Health Insurance While On Leave from a Cruise Ship

Why it's Great to be an Expat Have you ever jumped out of a plane? Climbed a mountain? Gone scuba diving? Relocating to a new country can evoke many of the same feelings and emotions. But, isn’t that what life is all about? Living it to the fullest? The fear and excitement of the unknown? That’s why it’s great to be an expat! An expat, otherwise known as an expatriate, is someone who lives outside of their native country. Did you know there are a staggering 50.5 million expats living and working around the world?  That number is expected to increase to 56+ million by 2017! Maybe you’ve been considering packing your bags and moving halfway across the world for your dream job, but aren’t quite sure if you’re ready to uproot your life. So for those that are on the fence, MHG would like to share some advice from our own expats that will hopefully encourage you to jump and take that leap of faith.   

 

A New Start

A New StartNew start, clean slate! Becoming an expat can allow you to leave your baggage and drama behind and give you the opportunity to, make new friends, have an exciting new job, and who knows, maybe meet your significant other.   

 

 

 

 

Language

LanuageDepending on where you go as an Expat, you may need to learn a new language. Learning a new language isn’t an easy task, however, it allows you to learn more than just some words, it can force you to learn the culture as well. You wouldn’t have the opportunity to learn a new culture by just visiting or vacationing somewhere.  By living there and having to make an effort to adapt is when you really get to experience new cultures.    

 

 

Life Skills

Life SkillsLiving in a new country can also force you to learn some basic skills such as cooking, fixing a car, performing maintenance around the house, etc. While living in your home country, if you didn’t know how to do something, you may have had the option of calling someone to come help you or fix it for you. That may not help in a new country.      

 

 

Job Opportunities 

Job OpportunitiesMany people become expats because of the work opportunities. Maybe you have been eyeing that dream management job which is just out of reach at home but more attainable overseas. In addition to the job opportunities, expats find compensation packages to be very enticing which can include a competitive salary, international health insurance, housing, annual tickets home, car and school tuition for the kids to name a few.     

 

See the World

See the WorldWhat better way to see the world than by becoming an expat! Expats will tell you from first-hand experience the only way to  truly experience a country’s culture, tradition, and language, is to live there for an extended period of time. Living like a local will allow you to see the sites and taste new foods. Before you know it, you will be involved in and partaking in things you never thought you would have. Getting to experience things that you wouldn’t have gotten to experience by just visiting. You may also develop an admiration for the traditions, and find yourself really loving your adopted country, maybe even more than “home,” and possibly want to have this same experience at a new location. 

Before relocating to another country, trying to find expatriate health insurance coverage on your own can be a daunting task. Many of us at MHG are expats ourselves and we understand the global insurance needs of international businesses, and individuals and families living and working around the world. Our Insurance Specialists have the experience, knowledge, and access to multiple international insurance carriers to find you the most suitable plan based on your budget and future plans.

At MHG Insurance Brokers, our commitment to your well-being does not end once you have purchased a plan; through our “Concierge Broker Service”, we will continue to assist you with questions about your policy and provide assistance throughout the claims process. Call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding expatriate insurance coverage for you and your family or business!

5 Reasons why it’s Great to be an Expat

MHG60Do you remember what life was like 10 years ago? How about 5? It’s hard to think of a world without Social Media and Smartphones, and even harder to remember that these things didn’t even exist a decade ago. Five years ago, having a smartphone was a luxury, not the norm. People were still using Myspace, Facebook, Twitter, and LinkedIn were fairly new or unknown to most, and Instagram and Google+ didn’t even exist yet. Today we live in a world where information is everywhere, and all we have to do is reach into our pocket to unlock it all. Social networking has impacted us in many ways. For one, it has made this gigantic world seem a bit smaller, with all the ways that people can keep in touch, share pictures, and make those close to us feel like they aren’t missing the big moments in our life, just because they are living elsewhere. From a business perspective, it is an essential medium for communicating with clients, and can also be utilized for customer service, lead generation, and relationship building. 

 

1. Relationships 

People like and communicate with others who are similar to themselves. For instance, parents connect with other parents, college students connect with other college students, doctors connect with other doctors, etc. Social media has changed things by flipping the marketing funnel upside down. Instead of trying to reach the masses in order to gain a few customers or followers, you try to connect to a few, who will then reach the masses for you. Which is why it is important to post material your followers or customers will feel connected to. By building a relationship with a customer he or she may feel like you understand their needs, and may feel inclined to share your material to their friends who are similar to themselves. Which is very important because that can expose your business to others who may have never heard of you and who may feel connected to you as well. For example, every few days Cigna will post an article with healthy lifestyle tips, or State Farm will have a safe driving contest, or best of all, MHG Insurance Brokers will post a Motivational Monday picture. These simple actions engage with customers and give them an incentive to follow you, interact with you, share with others, but most importantly that you care about and value them. 

2. Customer Service 

Social Media has also impacted the way customers are able to contact you. Rather than picking up the phone to dial their broker, they can now use social media to communicate with them in a quicker and more efficient way. Plus, social media gives customers an avenue to give you feedback or vent to you about a problem they are experiencing in your business. This makes it easier and more convenient for the customer, rather than having to call your customer service hotline and be kept on hold for an extended period of time. However, this new way of customers contacting you to give feedback and complain can give you a reason to be on your P’s and Q’s. Before social media, whenever someone had a complaint, they would call your customer service hotline and deal with the issue directly. They say that a person tells 10 people about a complaint, which could hurt your business if the information spread. Now the complaint is posted in a public forum for the world to see, which means it is critical that the issue is handled quickly and the customer is taken care of, or possibly millions can have a reason not to do business with you. 

3. Advertising and Marketing 

Social Media has billions of users, millions of whom use it on a daily basis. Sites such as Facebook, Twitter, and LinkedIn have given insurers the power to advertise to individuals across the world, for FREE. So many companies spend millions of dollars a year on advertising for commercials, magazine ads, radio ads, etc. These ways of advertising also have limits to the amount of people that can see them. For example, they may not have a commercial in Europe that they do in the United States. Or if I don’t have a subscription to the magazine that you put an ad in, I won’t see it. Social Media does not have the limitations and constrictions that other forms of advertising and marketing does. However, there is a catch. In order to market to someone, they either have to be following your page, or already searching for you. Which, as stated before, is why it is important to build connections with people who will then share your content to their friends and followers. It is crazy to think how a post made in Miami, Florida can be seen in Sydney, Australia in a matter of seconds. 

Social Media has made the world a smaller place. Information is more accessible than it has ever been before. The world is in your pocket. Mobile phones are no longer just a communication device, they are a business device. Are you looking for relevant insurance information that isn’t boring? Whether you are looking for a competitive Marine Crew insurance plan, the latest updates on the Affordable Care Act, business insurance news or travel insurance tips, check us out on social media! Follow MHG Insurance on most Social Media platforms to see informative posts, fun content, and get to know us!

3 Ways Social Media Has Changed Insurance

MHG58At MHG Insurance Brokers, we make sure that our yacht crew clients are insured in the event of a medical issue or an accident, but we also take an interest in the everyday health and safety of our clients. Today we would like to provide a round up of information from our friends and partners that are experts on Yacht Safety Drills. If you have a story or comment about onboard safety drills, including ways to make a drill fun or memorable, please leave us a comment or join the discussion on our Facebook page. 

 

1. Make drills fun. 

A common discussion in yacht captain forums is how to run safety drills. As one commenter in YachtForums.com mentions, anything that breaks up the monotony of daily tasks is usually a welcome break, but making a safety drill fun and competitive will not only help get crew involved, but also makes it easier to recall the procedure under times of stress, when you really need it.

We have an annual contest to see who can get into their survival suit the fastest- you'd be surprised how fast those times are when there is an iPod or $100 (plus bragging rights) on the line for the winner.
To read this discussion in full, click here 

2. Spread the knowledge. 

Our second point is a reminder that all crew need strong safety skills, even those skills that may not usually fall under their responsibilities, and it comes from Dockwalk's article on Safety Drills.

Know your stuff. Throughout your yachting career you will receive varying levels of safety training from sea survival to first aid, but keeping these skills fresh could prove to be invaluable in an emergency. “Recently, I was running a drill during which the crew role play. [In this drill,] a lot of the crew had been seriously injured, including the boats medical officer,” says Capt. Nick. “Our allocated deputy [medical officer] had to step up to the mark. I asked her to talk me through the CPR procedure. It was fairly obvious that she had forgotten much of the basics and I realized that refresher courses should be part of our training schedule.”
To read this article in full on Dockwalk's webpage, click here. 

3. Consider the learning styles of your crew when going through drills. 

There are three types of learners: visual, auditory and kinesthetic. In other words, we all commit things to memory using sight, sound, or touch. In order to help all crew remember procedures, consider testing them in using each of these ways. For example, demonstrations will help visual learners, asking crew to repeat information will help an auditory learners and hands-on practice will aid kinesthetic learners. For more on learning styles, click here.  

4. Consider security drills as well as safety drills.

According to a recent article in The Triton by megayacht stew Alene Keenan, safety is just one important drill that should be considered part of crew responsibilities.

The importance of security training is finally being recognized and is now mandatory for all crew on ISPS-compliant yachts. Many young crew think the STCW code consists simply of the four modules of Basic Safety training required to get our first yacht job. Perhaps we don’t think about the relevance of security awareness training unless security issues touch us individually. For me, the relevance of this came about as a direct result of the terrorist attacks on the World Trade Center on Sept. 11, 2001. I was the new chief stew on a yacht based at Chelsea Piers on 23rd street. We saw it all happen. We were not able to move the vessel because our engines were disabled and so we ended up volunteering. Security drills are mandatory and best practices have been formulated to mitigate risks of a security breach. Ship security plans detail the procedures to follow in the event of an incident. But on that morning, we did not know what to do or what to expect.
To read Alene's article in full, click here. 

5. Take responsibility for yourself. 

Regulations and drills are one thing, but when it comes down to it, safety is everyone's responsibility. If you are a chef onboard and cannot tie a knot, you may come to regret not taking the time to learn basic seamen skills. No matter what position you are in, ask questions, grasp as much familiarity with the boat and the tasks that each mate manages, and consider the additional learning not only a resume builder, but a potential lifesaver.  

5 Things to Know about Yacht Safety Drills

MHG53When it comes to international yacht crew insurance, being as open and forthcoming as possible, both before and during the time you are insured, can be critical to having a successful insurance experience. When you ask people about their medical status, the most common response is “I’m fine”. Unfortunately many people often... shall we say... “overstate” how healthy they are.  Normally, this will not bode well once a claim against insurance is made. 

 

Let’s review the 5 most common pitfalls: 

1. Non-disclosure of a past medical condition

Not only can this be a dangerous situation for you and your fellow crew, but it also sets up a scenario where in a worst case, your insurance could be cancelled. Insurance enrollment forms are a contract, and misrepresentation or incomplete information can render your insurance policy void. It’s important, no matter how minor it may seem, to disclose your entire medical history (and keep a file).

2. Non-disclosure of an ongoing medical condition 

Accurately representing your health to the insurance company (and even your insurance broker) is really important. Many people don’t realize that taking a regular prescription drug is significant in the eyes of the insurer.  When the claims start coming in for the cost of those medications, the insurer is most certainly going to start asking questions and that’s likely to take you down the path of having your claims denied. With all of the necessary information, we can provide you with personalized support that works for you. 

3. Overstating the recovery of a previous illness or injury 

It’s important to be careful about saying, “I’m fine” after recovery from an illness or injury. This is particularly important with back, shoulder and neck injuries.  With the work that you do, we often see crew returning to work before they really should and that doesn’t always give the body time to fully recover. Not being in pain, may not mean you are fully recovered. 

4. Non-disclosure of all the facts at the time of claim

If you have an injury or illness and you need to make a claim, it is important to fill out the claim form completely with as much detail as possible surrounding the circumstances.  This may include an incident report, or possibly a police report(!) along with your own personal narrative, which can be valuable.  Withholding information usually will simply result in your claim being delayed or otherwise declined.

5. Waiting until you have insurance to see a doctor     

This is the most critical item of all the pitfalls, when it comes to your wellbeing.  Do not delay seeking medical attention until you have health insurance. Not only are you putting your health at risk, but once you do see the doctor, the insurance company will probably not pay your claim because you had the condition prior to purchasing insurance. This is a standard clause in most international insurance plans, the language says something to the effect that treatment should have been sought previously by a prudent person. So please be prudent! The key to a successful insurance experience starts from the very beginning and goes all the way until you are no longer in need of health insurance. 

The MHG team looks forward to seeing you at the Fort Lauderdale International Boat Show and will be on hand to answer all of your questions about yacht crew insurance, US health insurance, sick pay / disability income, life insurance and travel insurance. See you at booth 727B located in the USSA Pavilion located in the Yachting Tent! If you’re not attending the show and are still interested in learning more about the different types of insurance that we offer, please call MHG Insurance Brokers at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com to find the insurance plan that perfectly meets your needs.  

Yacht Crew Insurance: Putting All the Cards on the Table

Marine General LiabilityFirst, let's define Commercial General Liability and Marine General Liability. 


Commercial General Liability Commercial General Liability policies protect business owners against claims of liability for bodily injury, property damage, and personal and advertising injury (slander and false advertising). 


Marine General Liability Marine General Liability policies are the same as General Liability policies except they are designed specifically for those who work at sea. These policies include coverage for Marine Contractors and others who work on or near water. 

Commercial General Liability does NOT cover Marine  Liability 

As you may have read in one of our previous blog posts, Marine General Liability vs. General Liability, we explained that General Liability excludes marine work. A General Liability policy doesn’t include watercraft or water sport coverage; including the ownership, maintenance, and use of watercraft owned by you, the insured. The client or shipyard/vessel may never know about these exclusions by just looking at a certificate. It’s in the policy wording- which brings up the fact that an experienced insurance broker could help you when it comes to the specifics of policy exclusions and/or benefits. 

Many Marine Contractors don’t offer their employees full coverage on liability insurance, partly because many of them do not know that Commercial General Liability doesn’t cover anything that happens on or near the water. Since their workers are not covered, this can create a substantial problem. If something were to happen to one of their workers, the contractor could be liable and not have any coverage to protect them from a lawsuit. 

Why didn’t I Know about This? 

Marine Contractors purchasing the policies want to save as much money as possible, so they often choose the cheapest policy; however, they are taking a huge risk working without the proper coverage. Without proper coverage the policy may not be worthwhile at all, so what you may be saving could end up costing your livelihood! Also, since shipyards, vessels, and ports don’t look into the coverages provided by workers on a certificate, they let them work with improper coverages, not knowing the exclusions that the contractors have in their policies. This is where the problem arises, since the shipyard is also liable and won’t be covered in the event of a loss or accident. 

Why aren’t Marine Contractors Covered?

General Liability policies generally have a cheaper cost than Marine General Liability policies because they have so many exclusions. Your underwriter (who will develop the policies you need and assesses what premium you should have to pay), should take into account your risks - more risks, such as working around water, means more coverage needed - which determines whether your premium is high or low. So having more coverage is what makes a Marine General Liability policy more expensive than just a General Liability policy. At the end of the day, you get what you pay for. 

If you have any more questions, would like further explanation, or want to change your General Liability policy to a Marine General Liability policy, please contact us here at MHG Insurance Brokers by calling 954-828-1819 or visiting mhginsurance.com. We would be happy to assist you with all of your insurance needs.  


Why do I need Marine General Liability? I have Commercial General Liability. Isn't that enough?

resume imageThe yachting industry is entering a busy season of boat shows and symposiums. Our yacht crew insurance clients, especially captains, have been chatting with us about the best ways for crew to find their perfect job. With their help we have put together the following tips on creating the perfect multi-national resume for the marine industry. Building a Resume or Curriculum Vitae (CV) can be a difficult and daunting task. A resume directly represents yourself to an employer, and many times it is a first impression. Add to that, the multi-cultural  environment of our industry and the task becomes more difficult. You should demand it be unparalleled, filled with professional experience, qualifications, strengths, and key skills catered toward the job you want. You wouldn’t go to a job interview poorly dressed and unprepared, so why treat your resume that way? Get your resume looking like it’s dressed to the nines by following these helpful tips. 

 

Absolute Musts 

There are a few things you must include when it comes to building a yacht crew resume that you may not think about. 

1. Include a photo.  

If you have ever worked in an office, you know that this is not a norm in the corporate world, but in the yachting industry, appearance is important. Your photo should signify that you are friendly and professional. If you have a uniform from your current or previous job, that would be the best option to wear. No sunglasses! Take a look at this photo of our own employee, Johanna as a good example

2. State your nationality and any visas/ work permits you carry.  

3. Note all languages you speak (don't forget your mother tongue!) 

4. State whether you are a smoker or not (and quit if you are!)  

It doesn't really pay to lie here. You will have to live and work side by side with the other crew, so eventually habits will surface.

5. Clearly define your objective.  

Make sure your objective matches the job that you are applying for. You don't want to state your objective is to become a Captain if you are applying for the job of 1st Mate. 

6. List your yachting qualifications.

If possible, include the number of nautical miles traveled. It's not necessary, but as captains scan resumes, if your number is high, it could give you a leg up on the competition. As you consider your yachting qualifications, be sure to include the size and type of boat, the time you spent at the position, the position(s) held, and the locations you covered during your time onboard. If you have any unique experiences to share, consider adding them. One good friend served as Chief Stew on a 162m. yacht in the Mediterranean. When the boat hit issues during a storm, she followed evacuation protocol ensuring the safety of all crew and guests onboard. Engineers will need to include technical information for each boat, Chefs could include any specific events or unusual situations, and so on. 

7. List your experience. 

Should you have any experience outside of the yachting community, here is where you would include it. If your experience is extensive, this is a good area to cut.

8. List your education. 

Obviously if you have maritime education, that should go first. If you have university experience, be sure to state it. If not, it can be helpful to include high school (or equivalent) experience. Be sure to clarify the type of school; we work in an international and multicultural industry and names and titles of schools or accreditations are not always clear. 

Absolute Don't

For one, it’s especially important that you don’t lie about any of your experience. The industry is small - captains communicate - and eventually they will find out. 

Structure and Layout 

When it comes to building and structuring your resume’s layout, it is important to ensure your resume is easy to read - the most important things should stand out - and easy to scan. Most captains collecting resumes at the Fort Lauderdale Yacht Symposium & Job Fair will collect a stack of resumes. To stand out and create a great first impression, make sure your resume gives an organized, clean impression. Keep the length to one page, unless you are a very experienced professional who is applying for a very experienced position, then you can use more than one page,  but no more than two! Don't overcrowd the page, make sure you list the most important elements first, and provide contact information for you that is up to date (we recommend including an email address and Skype address, but leaving a mailing address off as your resume could be kept in the boat files for a while and you may have moved on by the time they reach out to you). Don't use more than two fonts or overuse the bold or italic fonts and more than anything CHECK YOUR SPELLING. 

What else should I include? 

Include interests and hobbies. When interviewing for most jobs or careers this wouldn’t be a factor, but again, considering you spend all your time on the boat, captains or yacht owners may want to grasp what you do in your spare time. This can be especially helpful when it comes to your interview. Having something in common with your interviewers can help you to build a good rapport and let them see the ways you would be a good fit for the boat. 

No one likes a Big Ego 

The culture in the U.S. expects job prospects to act confident when building their resumes and attending interviews, whereas in Europe and other places throughout the world, the culture expects job prospects to be more humble and modest. As a result, being in an international career, try to find a middle ground between the two. A good tip to help in this aspect is to write as if you are writing your resume for someone else. For example, if you were writing a resume for a peer, you wouldn’t boast about them, you would be very direct and to the point. This also goes for any interviews or face-to-face meetings.

The Yacht Symposium & Job Fair (October 9-10, 2014) 

All of these tips and information will be incredibly valuable in preparation for the Yacht Symposium & Job Fair on October 9-10, 2014. The event will be held in the Fort Lauderdale Convention Center, where you can see me speaking from 3:30-4:00 pm on October 10th about Crew Health Insurance and the Maritime Labour Convention. 

The final word... 

Having a great resume on hand can make or break a career, no matter what the industry. When you save your resume, use a cloud document service like Google Drive or Dropbox so that you can easily share it from your cell phone no matter where in the world you are. And before you go in for any interview, always do your research, which leads to our question for you: 

Question: What was your best or worst job interview?  

The worst interview I ever conducted was one in which I asked, "Why are you a good fit for this position?" and the response was, "What is the position?"


Call MHG Insurance Brokers today at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding individual or group yacht crew health insurance plans that perfectly meet your needs!

Yacht Crew Resume Guide and Helpful Tips

Hard to Place Workers Compensation Insurance SolutionsAs a business owner, you are required to provide workers’ compensation insurance coverage for your employees if your company has more than four employees. In most cases, obtaining the required coverage is not difficult; you simply consult with a qualified workers’ compensation insurance specialist to determine the amount of coverage you need; compare policies, coverage terms, and prices; then purchase the coverage that best fits your situation. If your business has been classified as a high hazard class of business or has a high experience modification, however, finding reasonably priced workers' comp insurance becomes much more challenging. At MHG Insurance Brokers, we provide a full range of coverage for businesses that are not eligible for standard workers’ comp insurance plans. 

 

MHG fits the policy to you 

When you deal with a company that only represents a single insurance company, the agents try to make you fit into their Workers Compensation product, instead of finding a policy that provides the exact and complete coverage you need. As a result of working with these “captive agents,” you could be left with coverage gaps that leave you in a dangerously vulnerable position. MHG Insurance Brokers has the freedom to search the market until we find the best workers’ comp insurance product to fit your specific needs. 

MHG works with the best workers’ compensation insurance carriers 

Unlike some brokers that have deals with low rated carriers that provide inferior insurance products, MHG searches out reputable, reliable carriers that have sterling reputations including both A-rated and non-rated carriers. Our experienced brokers comb the market to find carriers with hard to place workers compensation insurance solutions that provide a broad range of benefits, without exposing clients to financial risks caused by coverage gaps. These carriers are experienced in dealing with businesses that have high experience modifications, a high hazard classification, or other factors that make them difficult to place. 

MHG’s customized approach to workers’ comp insurance can lower your rates

One of the greatest benefits you gain with MHG Insurance Brokers is that our top rated workers' compensation insurance carriers do not typically class underwrite for our hard to place businesses. Instead, they are willing to assess your individual situation and consider your particular circumstances, such as specific risk characteristics, loss experience, and employee experience when figuring pricing and options. This can yield a number of valuable benefits, including freezes, dividends, and incentives, that will play a large role in keeping your premiums to a reasonable level. 

At MHG Insurance Brokers, we are dedicated to finding creative solutions to fill the workers’ compensation insurance needs of hard to place businesses. We will carefully assess your company’s situation to find specific factors that will help you get the most favorable policies and terms; we may even be able to recommend an approach to risk management that will fix areas of concern and make your company more appealing to underwriters. Whether you have a high experience modification or are a high hazard class of business, you can count on the experienced workers comp insurance brokers at MHG to find a workers’ compensation insurance program that will meet your real business needs at a competitive price. Turn to the Insurance Specialists at MHG for all your business insurance needs. We have the experience and resources to assemble a complete insurance plan including Commercial Property Insurance, Workers’ Compensation, Business and General Liability Insurance, and more. 

Call MHG Insurance Brokers today at 954-828-1819 or visit us online at mhginsurance.com and let our Insurance Specialists find a complete, reasonably priced workers’ compensation insurance plan for your hard to place business!

Hard to Place Workers Compensation Insurance Solutions

Yacht Health Insurance Advise for Onboard Safety Hazards Falls don't "just happen," and people don't fall only because they get older. Many falls are linked to a person's physical condition or a medical problem. Other causes could be safety hazards onboard or in your environment. 

 

Some Risk Factors and pointers 

Scientists have linked a number of personal risk factors to falling. Here’s just a few:

  • Muscle weakness, especially in the legs. People with weak muscles are more likely to fall than are those who maintain their muscle strength, as well as their flexibility and endurance.
Are you on your feet all day? Sure you are.  Be aware of muscle weakness in your legs.  Stretch often and stay fit.

  • Blood pressure that drops when you get up from lying down or sitting. This condition -- called postural hypotension -- might result from dehydration, or certain medications.
Drink plenty of water and stay away from too much caffeine or alcohol to help prevent a fall.

  • Wearing unsafe footwear. Backless shoes and slippers, high-heeled shoes, and shoes with smooth leather soles are examples of unsafe footwear.
Sound similar to the shoes you wear? Your feet have to last your entire life. Take care of them and they’ll take care of you.

  • Sensory problems. If your senses don't work well, you will be less aware of your environment.
Do I need to say more about this? Don’t do things that impair your senses.

  • Not seeing well.  It takes a while for your eyes to adjust to see clearly when you move between darkness and light.
Certainly something you experience frequently onboard, and sunglasses are a requirement.  MHG Insurance Brokers has them if you need a pair, just give us a shout on our MHG Facebook page! Although falls can happen anywhere, well over half of all falls happen at home (onboard). Falls often happen while a person is doing normal daily activities. Some of these falls are caused by factors in the person's living environment. For instance, a slick floor or a poorly lit narrow stairway may lead to a fall.  But I’m sure you never have those conditions onboard, do you? 

Call MHG Insurance Brokers today at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for more safety information or help finding a yacht health insurance plan that perfectly meets your needs!

Yacht Health Insurance Advice for Onboard Safety Hazards