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Travel Abroad Insurance

Passports and tickets, check! Money and camera, check!  Suntan lotion, check! Travel insurance… hmm. 

 

Summer is nearly upon us and that means it is time to finalize your summer travel plans. Whether you are jetting down to the Caribbean for a little R & R, cruising the Mediterranean or conquering the Great Wall it is important to be prepared for your trip and all emergencies that could pop up. What would you do if you or a family member got a bad case of food poisoning or worse yet, were involved in a bad car accident? 

Traveling abroad can be an exciting experience; however, a medical emergency can arise at any time and the lack of appropriate insurance could expose you to serious financial liability.  The good news is that travel insurance is very affordable and easy to apply for! As your independent insurance specialists, MHG Insurance Brokers has the knowledge and expertise to provide you with plan options from several different insurance companies containing the medical benefits that you need for traveling abroad.  

Most traditional medical plans are not designed for international travel or can be difficult to use while outside your home country. With a travel insurance plan from one of our designated carriers, you and your family will have peace of mind knowing that you are prepared for your trip.

MHG offers the Atlas Travel Series, a short-term health insurance plan administered by HCC Medical Insurance Services, which provides coverage outside your home country from five days to one year. The plan includes coverage for emergency air/ground transportation to the nearest qualified hospital, hospital room and board and acute onset of a pre-existing condition among other benefits. Choose from a deductible ranging from $0 to $2,500 and maximum limits from $50,000 to $1,000,000.  

Do you know the current passport, visa, inoculation and vaccine requirements as well as travel safety advisories for the countries they will be traveling in? HCCMIS does!  

Are you planning to do some adventurous sporting activities while on vacation? Cover for most sports are automatically included! And it is no problem if you’re leaving right away, enrollment in the Atlas Travel plan is available online and same day coverage is available. 

Looking for a plan with higher coverage limits but that is still within your budget? MHG Insurance Brokers offers Patriot Platinum Travel Medical Insurance, administered by International Medical Group (IMG), provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product. Deductibles range from $0 to $25,000 and maximum limits from $1,000,000 to $8,000,000. Coverage is available for a minimum of 10 days up to three years and in addition to emergency air/ground transportation to the nearest qualified hospital and hospital room and board and many other benefits.

Patriot Platinum also includes exclusive access to IMG’s Global Concierge, a dedicated service team for providing a variety of assistance services. Patriot Platinum has an optional adventure sports rider available for all you adventurous travelers out there. Enrollment in the plan is available online and next day coverage is available. 

Before you and your loved ones head out for summer vacation, make sure you’re covered for those sudden and unexpected accidents and illnesses that could arise. 

At MHG Insurance Brokers, we are here to advise what insurance coverage is available to you no matter if you’re traveling to Paris or Phuket this summer. Whether you are looking for travel insurance, health insurance, disability income, life insurance, commercial insurance, the experts at MHG are dedicated to providing you with the advice you need in order to choose the best individual or group plan for your employees. Contact us today at 877-278-7400 to learn more or apply online.

Travel Abroad Insurance

Gear Up

Join MHG Insurance Brokers and the Marine Industry Cares Foundation as they ‘gear up’ for their 4th annual Spin-A-Thon on Friday, April 20th at Esplanade Park in Downtown Fort Lauderdale!   

 

Proceeds raised benefit Kids in Distress (KID), a leading force in the prevention of child abuse and neglect and Children’s Diagnostic & Treatment Center which promotes health and well-being of children and youth with special healthcare needs. 

The Spin-A-Thon is a fun endurance challenge and a great team-building. Take part in the action by organizing or joining a Spin-Bike Team.  Team registration is $300 to secure your spot. Upon registration, each participating company or group will assemble their own team of enthusiastic cyclists. The individual team members then are challenged to seek additional support and donations to help our charitable beneficiaries. 

Teams must keep their bikes moving for 360 minutes and are welcome to have as many riders as they wish during the event. The fun begins on Friday, April 20th at noon with registration. The spinning event will take place, rain or shine at the Esplanade Park in Downtown Fort Lauderdale from 1-7pm. We will finish the night with a networking and thank you party from 5-9pm.  

If you can ride a stationary bicycle then you can spin with us!  Marine Industry Cares Foundation is also looking for enthusiastic volunteers who are looking for a way to give back to their community while having fun.

MHG is one of the founding companies of Marine Industry Cares Foundation and is excited to see how the Spin-A-Thon has grown over the past four years.  The Spin-A-Thon started in 2009 and raised $30,000 for Kids in Distress.  The next year they doubled their donation as the 2010 Spin-A-Thon raised $60,000 for Kids in Distress.  The 2011 Spin-A-Thon raised over $100,000 for Kids in Distress. This year we have 50 individuals registered so far and over 50 teams! Team Insurance Peddlers have raised $2,150 to date, 125% of their goal of $2,000!  

It is not too late to start your own team, join a team or sponsor a rider and help make this Spin-A-Thon, the best one yet. The Marine Industry Cares Foundation is a non-profit organization that raises money and awareness for local charities. They aim to provide a brighter future for children and families in need by uniting the generous efforts of the marine industry community. 

The MICF also serves as a model for shipping industries in other cities to use and implement where they live—bringing the maritime and local communities together in cities around the world. So "gear up", invite your friends, family or co-workers and join the ride to give kids in your community a brighter and healthier future! MHG Insurance Brokers is proud to be a part of this wonderful and meaningful event. MHG is the specializes in health insurance plans designed specifically to meet the needs of marine officers, crew and contractors, expatriates, and US residents.  Whether you are looking for travel insurance, group insurance plans or business insurance, MHG has solutions to fit every budget.  

Gear Up

Float Away

Come join the fun at the 27th Annual Palm Beach International Boat Show, March 22 - 25, 2012.  This show is one of the top ten boat shows in the country; featuring more than $350 million worth of boats, yachts and accessories from the world’s leading marine manufacturers.  

 

The event includes hundreds of boats from 8 foot inflatables, power boats, fishing boats, center consoles, bow riders, personal watercraft to superyachts over 150’. Opening day is Thursday, March 22 from noon- 7pm. Mark Bononi, MGH’s Yacht Division Director, will be in attendance on Thursday.  

This international show continues on Friday and Saturday - the doors will open at 10am -7pm and the event wraps up on Sunday from 10am-6pm.  Show entrances will be located at Evernia St. /Flagler Dr. (waterfront) and North Clematis St. /Flagler Dr. (waterfront).  

Show admission is $14 for Adults and $5 for children (6-15), children under 6 are free.  There is a $2 discount for tickets purchased online. On Saturday and Sunday The Kids' Fishing Clinics, presented by Hook the Future, are open to all kids ages 4-16 and feature marine life experts teaching kids basic fishing techniques. Upon completion of all four learning stations, participating kids receive a FREE rod reel. The hands on interactive instruction will include: casting a rod and reel, how to fight a fish, selecting tackle and lures and fishing ethics.  

Registration begins at 10am Saturday & Sunday. Kids ages 4-16 must be registered and accompanied by a paid parent or guardian. But if all that isn't enough, there are at least nine more reasons to attend the Palm Beach Boat show this year: the IGFA School of Sportfishing will be hosting fourteen seminars on site with some of the area's best captains and professional anglers throughout the boat show. Now, while checking out the latest gadget or considering a new skiff, anglers will also be able to pick up hot tips and tricks from not just one or two, but nine of the most experienced fishermen on the water.  All of the sessions are free with paid admission. 

MHG Insurance Brokers provides comprehensive international medical insurance for yacht captains and crew. If you’re attending the Palm Beach Boat Show and wish to learn more about yacht crew insurance, employee benefits, life & health and business insurance, our colleague Mark Bononi, the Yacht Division Director will be walking the show.  

If you want us to stop by and visit to answer any questions you may have about your existing health plan or about purchasing health insurance, Mark can be reached on his cell phone at 305-905-2019.  Our expert staff is always available to answer your questions, contact MHG at 877-278-7400 today for all your marine insurance needs.

Float Away

MHG - We Speak Insurance

Choosing an insurance plan for your group can be intimidating; insurance has its own language. At MHG Insurance Brokers we understand the language of insurance and we understand the marine industry. We specialize in insurance plans designed specifically to meet the needs of marine employers, shipboard officers and crew, and contractors and concessionaires.  

 

Since 1991, MHG has provided insurance for the world’s top cruise line officers and crew.  MHG will help you sort through the terminology and key features to determine the best carrier and plan for you. As an employer, the health and wellbeing of your employees is a valuable asset. 

We offer a portfolio of life and health insurance solutions.  We provide major medical insurance, short term medical, life insurance and short term disability insurance, dental insurance and even supplemental insurance.  We can also provide insurance to your shore side staff. 

MHG is a full service broker and has access to all of the major US insurance carriers.  MHG works for you, our client and because every group is different, we take the time to find the right plan that fits both your budget and the needs of your group. Show your employees how valuable they are to you by providing life and disability insurance. This insurance is a valuable form of protection for you and your employees. 

Investing in group life insurance will provide an excellent fringe benefit for new and existing employees, and may be deducted from federal income tax premiums. As a business owner, it is advantageous to take care of your employees and important to protect your business. There are many different types of business coverage that a company may need such as property insurance, liability insurance, crime insurance, business interruption insurance, kidnap and ransom insurance, and workers' compensation to name a few. 

Whether you are a new business owner and are wondering what type of insurance you need or an established business looking for a more competitive option, MHG has the resources and contacts to help you obtain the correct coverage at the right price. By getting to know you, your business and your risks, we are able to secure the appropriate coverage. We are dedicated to our clients and treat them as friends and business partners. 

At MHG our commercial insurance solutions include general liability, professional liability and products liability.  General liability insurance is secured to protect the insured from the potential risks and liabilities imposed by lawsuits or similar claims that may arise out of bodily injury, property damage, or product malfunctions.

Professional liability insurance is secured to cover less tangible claims resulting from a company or a person's errors and omissions and include claims made for negligence, failure to perform and inaccurate advice. This insurance also covers perceived financial loss and violation of good faith and fair dealing. 

Is your property protected? At MHG we offer commercial property insurance to protect your property from physical damage and loss of use as well as to protect your inventory or assets against loss or damage caused by theft, an accident or other means. This coverage protects your business property even when it is not at your business. If you are leasing a building, office or retail location, you will only need to procure "contents" coverage to protect your fixtures, furniture, inventory, office equipment and supplies. 

Do you understand the Longshore Harbor Worker's Compensation Act, often referred to as USL&H?  The experienced staff at MHG do, and we can help you provide the required benefits to your employees working in the maritime industry. MHG also provides marine liability insurance for liability or property damages to a third party while engaged in marine related operations.  

If your company provides detailing service to yachts or cruise ships you need to include a Ship repairer's Legal Liability endorsement that insures liability coverage for damages to a vessel while it's in the care, custody or control of the detailer. Marinas and cruise lines require proof of appropriate insurance prior to beginning work.  

At MHG, we have multiple carriers offering packaged Marine Liability Insurance programs that are available to companies of all types of marine risks. MHG Insurance Brokers offers turnkey support and solutions for all your insurance needs. Please contact us today at 877-287-7400 for more information.

If you are attending Cruise Shipping Miami March 13th-15th at the Miami Beach Convention Center, please feel free to stop by our booth #1893 located in the Ship Services and Hotel Operations section for more information on any of the services we provide. Please join us for a glass of wine during our opening reception on Wednesday, March 14th from 2pm-5pm.  Avoid the $100 fee and register as our guest for complimentary tickets to the Exhibition Hall.

MHG - We Speak Insurance

At MHG Insurance Brokers we specialize in insurance plans designed specifically to meet the needs of marine employers, shipboard officers and crew, and contractors and concessionaires.  Because of the unique needs of individuals and groups at sea, choosing an insurance broker that understands the lifestyle and work environment is essential. 

 

Services offered by MHG can be tailored according to each employer’s needs with the secure knowledge that they are marine specific and supported by a team experienced in the marine environment. With our extensive market relationships and experience in the industry, we offer sound, independent advice as to which insurance and financial services providers and products are best suited to address the needs of individuals and employers. 

Marine insurance solutions include private international health insurance, vacation health insurance, disability income, life insurance, short-term health insurance and retirement savings plans. Here is more information on the plans we offer. 

MHG provides private international health insurance to all nationalities. Our extensive market relationships permit the design of international group medical plans that are tailored to each employer's specific philosophy and compensation needs. MHG also offers various benefit packages that can be combined for groups located in the US. 

MHG offers short-term health insurance for contractors and concessionaires which provides coverage for emergency medical treatment, emergency medical evacuation, should the local facilities be inadequate and a number of other benefits. For groups requiring coverage for employees while on vacation, we can customize a plan to fit your needs. 

Disability Income is an effective risk management tool for employers that not only enhances the value of compensation packages for employees but also provides peace of mind.  It can provide protection against loss of income in the event an employee becomes temporarily or permanently disabled while at work or on vacation. Coverage is available to groups of five or more and can be customized to fit your budget and benefit needs. With worldwide coverage for disability due to accident or sickness, these plans also allow you to select a waiting period and benefit amount while typically not requiring underwriting. 

Let MHG Insurance Brokers provide you and your employees with peace of mind.  Group life insurance offers employees comfort knowing that in the event of their death their loved ones will receive financial support for ongoing expenses, funeral arrangements or children's education. For employers, group life insurance is a cost-efficient benefit because it is highly valued by employees.

MHG's investment team is able to provide cost effective, flexible benefit retirement savings plans which will help recruit, retain and motivate staff while providing the employer with maximum value for each dollar spent. As your specialist plan manager, MHG's role would normally involve consultancy, plan design, independent brokerage, investment planning and communication, installation and administration of the plan. We also provide consultancy and plan management services for employers with existing plans. 

With over 20 years of experience focused on the welfare of crew, MHG has the knowledge to advise the cruise industry about its insurance needs.  Please contact us today at +1 954 828 1819 for more information on any of the services we provide. 

If you are attending Cruise Shipping Miami March 13th-15th at the Miami Beach Convention Center, please feel free to stop by our booth #1893 located in the Ship Services and Hotel Operations section. Join us for a glass of wine during our reception on Wednesday, March 14th from 2pm-5pm.  If you still need tickets for Cruise Shipping Miami, avoid the $100 fee and register as our guest for complimentary tickets to the Exhibition Hall.

MHG – The Cruise Industry’s Insurance Specialists

Valentine’s Day is coming up! A day of love and affection for those you hold close to your heart, whether it is your significant other, your Mom or your dog…

 

Valentine’s Day is a holiday to truly consider those you care for and give them a little something to make that day special. But despite the commercial and cliché hearts and chocolates sold at every grocery and convenience store, here are a few ideas to make that day extra special: 

Family Affair 

Make Valentine’s Day a family affair and have your children help you prepare red Jello with cinnamon hearts mixed in, mashed potatoes colored with pink food coloring, heart-shaped cookies and any other creative ways to present your Valentine's Day meal. 

The Gift of Time

Give a hand-made coupon for some work you can do to free-up some time for your spouse or parent. For example, a coupon good for cleaning Dad's garage or weeks worth of dishes for your wife. How about a coupon for your best friend - you can walk her dog or babysit one evening. 

Less Fortunate

Visit your local hospital or nursing home to pass out small Valentine surprises to the residents. They will enjoy the care and attention from something so unexpected. 

Long Distance 

Call that close Aunt that had to move away for her job or that best friend that is oversea for 6 months to let them know you miss them and are thinking of them this Valentine’s Day. Valentine’s Day can definitely seem a little silly for some people but at times it is the little things that make somebodies’ month. Make this year’s holiday count by making it an investment for those you love.

MHG Insurance Brokers offers Life Insurance that is designed with loved ones in mind and plays an important role with your overall financial plan. In the event of your death, beneficiaries can be comforted knowing that they have time to re-adjust their standard of living, can pay off debts or other expenses or provide for their children's education.

You Know What is Romantic? Taking Care of Your Family

Traveling, these days, for students and youngsters is becoming as easy as a hop, skip and a jump. Multiple online travel websites, international classes and Groupon deals are popping up everywhere making white water rafting in South France sound as affordable as a trip to the beach for Spring Break.

 

According to the United Nations Educational, Scientific and Cultural Organization, about 7 million students will finish their degrees in another country by 2020. So I do not even want to know how many are going to Cancun this year for Spring Break. 

Regardless, student travel and temporary living overseas is becoming extremely common these days. Therefore, the old “week long backpacking-trip in Europe” is becoming more of the “see you in a few months Mom and Dad…”

Whether it is for a week or a few months, before sending your kids off overseas this upcoming year, make sure you are covering them from all corners. MHG Insurance Brokers offers multiple Single and Multi-trip Insurance options that might be necessary when sending a student abroad this year. This kind of insurance benefits individuals traveling outside their Home country from 5 days to a maximum of one year. 

Multiple options for Travel Medical Insurance might be necessary for those long vacations as well as in case absolutely anything happening. Options for travel medical insurance can include temporary medical insurance while traveling anywhere outside their home country. These independent ventures for students are going to be one of the most incredible experiences of their lives. But it may also be one of the most stressful for the parents. You might not be able to watch them as closely as before but you can insure them with something for a safe, smart trip abroad and a peace of mind.

MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each unique client. Whether you are looking for crew insurance, individual health insurance plans, family health insurance plans or group health insurance plans, the experts at MHG have the resources to help you choose the ideal policy for your unique requirements. Contact us today to learn more.

Is Your Child Ready to Go Abroad? Need More Assurance? Get Insurance

You cannot watch the news lately without the graphic photos of the Costa Concordia cruise ship being plastered on your TV or computer screen. 

 

On January 13th, the Costa Concordia ran aground on a reef off Isola del Giglio, Italy and began listing heavily towards the starboard side. The ship was carrying 3,200 passengers and 1,000 crew members at the time of the accident. At the date this post was written, the search for 21 missing people resume. 

Espirito Santo Investment Bank released a report expecting the insured losses from the Carnival Corporation cruise ship disaster estimated to be between $500 million and $1 billion. That would make the disaster the largest marine loss in history. This number is up from the first estimate released which estimated losses around $513 million. 

The new estimate takes into consideration the liability losses as well as those stemming from the potential cleanup and environmental costs associated with the disaster. To understand where the Costa Concordia losses in context of past accidents, the Exxon Valdez oil tanker crash which included $500 million in pollution losses. 

With losses reaching at least $500 million, the claims will be spread across 10 or so different writers so no one insurance company should see more than 10% of the losses. The lead insurers for the ship are XL Group, Assicurazioni Generali and RSA Insurance Group plc. The risk is expected to be relatively fragmented considering most marine policies are written by syndicates of different companies and protection and indemnity clubs. 

The London-based Standard Club confirmed it is the lead protection and indemnity insure for the stricken ship. The liability side of the insurance can be a little more complicated due to the amount of individuals who file claims, if the captain is found guilty, etc. 

The removal of the wreckage is estimated to cost about $10 million. Considering the small percentage of passengers who were injured or deceased due to the accident, the human cost will be relatively low. Liability claims get tied up in litigation and take longer to be paid. A delay will also be made when determining if the ship’s captain Fancesco Schettino will face criminal charges. He is facing charges of manslaughter and abandoning ship; if found guilty, he could be held financially accountable for the disaster. 

While the losses are likely to be absorbed by the market, it is unclear if the disaster will be enough to change the current prices in the marine insurance market. Unlike a hurricane or serious storm where you see prices go up the next day, this would be a much slower process. 

The marine insurance industry is still absorbing costs of the damage caused by the flooding in Thailand and the earthquakes in Japan. Considering the industry is still feeling the strain from these past disasters, the Costa Concordia incident could put pressure to increase prices. 

MHG Insurance Brokers provide insurance plans designed specifically to meet the needs of marine officers, crew and contractors, expatriates, and US residents. MHG also offers yacht crew insuranceinternational medical insurancedisability insurance ,long term carelife insurance and business insurance. Our staff applies years of industry knowledge to find the best plan for each individual client, and is always a phone call or email away to answer any questions. For more information, contact MHG today.  

Costa Concordia Losses Could Reach $1 Billion, May Be Worst Marine Loss in History

Audits are an essential part of any safety management system. Whether they are audits of equipment, procedures, or the behavior of the individuals involved, audits ensure projects are safe and efficient. 

 

The International Marine Contactors Association (IMCA) has published an information note on audits, which encourage discussion to show how this process can present an opportunity for ‘business improvement’. “Audits should be welcomed as a collaborative opportunity for all parties in discussing a situation, and in leading to improvements in the safety and efficiency of the work, as well as improving the business position of the company,” says Hugh Williams, Chief Executive of IMCA.  “Marine contractors undertake many more internal audits than the number of external audits, although there are many of these too performed on them by clients and statutory bodies.” “Our members are involved at three different levels. Contractor members perform in-house audits themselves and contract external consultants to assist. Corresponding members perform audits on contractors, either using their own staff or external consultants – of course, contractors take a similar stance when auditing subcontractors. Then there are external consultants who are often IMCA ‘supplier members’ who supply services – consultancy – which is often to carry out an audit/inspection.” 

IMCA has published various audit-related documents that have feedback obtained over the past 30 years for the purpose of understanding the purpose of auditing, the beneficiaries, and carrying out audits. The IMCA firmly believes that standardizing the audit format, and the widespread use of a common format, improves the audit process and ultimately the safety and efficiency of the industry. 

One of the most important steps to business improvement is making sure you are informed and up to date on any new developments in regards to audits and insurance. MHG Insurance Brokers provide insurance plans designed specifically to meet the needs of marine officers, crew and contractors, expatriates, and US residents.

MHG also offers yacht crew insuranceinternational medical insurancedisability insurance ,long term carelife insurance and business insurance. Our staff applies years of industry knowledge to find the best plan for each individual client, and is always a phone call or email away to answer any questions. For more information, contact MHG today.   

Using Audits as a Means for ‘Business Improvement’

We’ve known about the catastrophic health affects cigarettes have on our bodies for years, and with older generations passing well before their time due to decades of smoking, even more attention is being paid to Big Tobacco. 

 

U.S. regulators have now officially mandated that cigarette makers add graphic warning labels to their packages, the most significant change to warning labels in 25 years, according to the Wall Street Journal. Images of a man smoking through a hole in his neck and other scare-tactic graphics will occupy the entire top half of the pack of cigarettes, with messages like, “Smoking can kill you.” 

The mandate will go into effect in October 2012. But where there’s a billion dollar industry, there’s litigation. In 2009, Big Tobacco sued the FDA, arguing that the “graphic-labeling rule and other marketing provisions in the federal tobacco law violate tobacco companies’ constitutional rights to free speech,” WSJ reports. Although the judge ruled mostly in the FDA’s favor, the mixed verdict invited appeals from both sides. 

Spokesmen for domestic and international cigarette makers are predictably planning to fight back, mostly citing the goal of the images to evoke negative mental reactions instead of providing objective, factual health information. Regulators “project the U.S. will have 213,000 fewer smokers in the first year after the new labels are introduced,” WSJ reports. 

As the battle between free speech (in this case, deceptive marketing) and government health concerns rages on, we remain hopeful spectators that the number of smokers will decrease in the future, by whatever means possible. 

Whether or not you’re a smoker, regular physicals are the best plan for maintaining optimal health. Having quality individual health insurance can help to ease the financial burden of doctor visits during challenging economical times. MHG Insurance Brokers also offers group health insurance, life insurance, disability income protection and even commercial insurance. For more information, contact us at the location nearest you.

FDA Mandates New Graphic Labels on Cigarette Packages