Car tires on winter road covered with snowIt’s the Holiday Season! Many people pack their bags and head to the airport, drive cross country, even get on a cruise. The offices are closed, businesses aren’t as busy (except for retail of course), and people want to take a break from the stress of the daily grind, to relax and get ready for the year to come. And there are those who travel to see their family, friends, and loved ones. It really is a busy time of year for the travel industry, and if you aren’t an experienced traveler, you could face some headaches of your own trying get to where you’re going through all of the craziness. Where will you be traveling? Are you traveling to a family holiday, or a nice getaway?

Book Early

Not many people start thinking about their holiday travel plans in June, however, if you want the best price, then it’s time to start planning ahead! Airline prices typically increase at a slower rate, going up and down narrowly from June to November. But, once November comes along, prices skyrocket. Travelers waiting to book their tickets in November and December can pay up to 50% more for their ticket than at any other time of year!

Try Different Airports and Airlines

When booking a flight, try to include multiple airports in your area, as well as in your destination city. Some airlines have different flight times at different airports, so you may be able to find a flight that better matches your schedule. Also include different airlines to see the different times and prices. You may find a flight that is a lot cheaper, and get a better deal by keeping your options open.

Pack Light

Airlines are becoming increasingly strict when it comes to luggage. With checked bag allowances, weight limits, packing light could save you time and money. You also won’t have to wait for your luggage on a conveyor belt, battling a crowd of 100 people. Plus, if you are driving a long distance, you could get better gas mileage as well, since your vehicle may be lighter. Are you bringing presents with you? Purchase gifts online and have them shipped to your destination to cut down on luggage.

Leave Early

Don’t be in a rush when dealing with crowded airports. There is only one speed, slow. So give yourself enough time. Bring some reading material or something to keep your mind busy in the event of long lines or weather delays. Even de-icing the plane can take up to an hour.

Have your car checked

The last thing you need when driving across the country, is your car to break down. It’s enough of a nuisance to have your car fall apart when you are home, but when you are in the middle of nowhere, with no one nearby, it could quickly turn into a nightmare. Have your oil checked, tires, brakes, etc. It’s always good to pack a winter safety kit in the event you do break down. It could be hours before help arrives, so make sure you have blankets, flashlights, water, food, etc.

Travel Early in the Day

When traveling by airplane, flights that leave earlier in the day are less likely to be delayed or late. Also, if your flight does happen to be delayed or cancelled, you will have time to book a flight for later that day, rather than having to wait until tomorrow, and having to find a hotel nearby to stay the night.

Take a deep Breath!

Traveling can be overwhelming, especially when you have the kids, grandparents, and a whole ton of luggage to look after. So just take a deep breath, and try to remember that this is the time of year to be happy and cheerful. A delayed flight, or traffic jam will pass, enjoy the time while you can!

Traveling Internationally?

If you are traveling abroad for the holidays, don’t forget to secure your trip with travel insurance. Unexpected events can happen at any time, complicating even the most meticulously scheduled travel plans. An allergic reaction, broken bone, sprained ankle, food poisoning, or other mishaps can turn a fun, relaxing trip, into a nightmare of hassles. Get proper coverage so you can fully enjoy your holidays, stress-free!

Before setting off on your next adventure, call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com to obtain trip cancellation and travel insurance, along with other insurance plans that will make your trip an exciting, hassle-free experience! MHG Insurance Brokers hopes that you arrive and return safe and sound.

It’s the Holiday Season! Which also means it's the traveling season. Read more for holiday travel tips.

Bills of euro, dollar and pound currencies, among others.Having life insurance should be a priority for everyone!

Life Insurance can be a topic that is difficult to plan for, and may be something you don’t want to think about. However, no matter what stage you are at in life, it should be a priority. If you are a young person just starting your career, now is the time to purchase a policy so you can lock in a lower premium. If you are a bit more established with children, what will happen to them if something happens to you? If you are about to retire and move to your dream house in the tropics, how will your spouse pay for the mortgage if the unexpected happens?

Questions to Ask Yourself

When purchasing a life insurance policy there are a plethora of things to consider; such as the amount of the benefit, the beneficiaries, and what actions are actually covered. One thing that may be assumed is that the coverage will be provided no matter where you are in the world. However, that is not always the case. For the most part, life insurance policies only provide coverage in the country they are purchased.

When purchasing life insurance, you should ask yourself questions such as:

· “How much coverage do I need?”

· “How long do I need coverage for?”

· “What type of policy should I purchase?”

· Who should be my beneficiary?”

Many people don’t think to ask themselves:

· “Do I have international coverage?”

· “Do I need international coverage?”

That latter set of questions can be crucial if you are a person who travels a lot. Retirees traveling the world, yacht crew, and cruise ship workers are just a few of the people who may need international coverage. Typically, if you are in a foreign country for 3 or more months, your life insurance will not offer the coverage if something were to happen to you. So if you are a world traveler, or hope to move to a foreign country one day, or are an expat who looks to settle down back home when you are done with your career abroad, it may be smart to look at your policy and see if you are covered.

MHG Can Help!

If being away from home for long periods of time applies to you, then international life insurance should be a priority. Deciding if you need the extra coverage is the easy part, now comes what type of policy is right for you!

A large number of our clients work internationally, and could greatly benefit from having an international life insurance policy. In fact, many of our employees are expats themselves, and have personal and professional experience that can be used to assist you. It should also be noted that the price for international coverage policies are usually comparable to those that don’t have international coverage.

There are many things to take into consideration when making the decision of which type of policy is best for you, your family, or loved ones. For help trying to figure out which policy is best for you, read our previous blog, “What Are My Life Insurance Options?” Are you interested in purchasing Life Insurance or International Life Insurance? Would you like some more information regarding Life Insurance options that are available to you? Would you like to ask some questions to a Life Insurance expert? If the answer to any of these questions is yes, please contact us 954-828-1819 or visit us online at mhginsurance.com and talk to one of our insurance specialists for help in selecting Life Insurance and other coverage to ensure that you and your loved ones have the protection you need at every stage of life.

Life Insurance can be a topic that is difficult to plan for, and may be something you don’t want to think about. Read more!

luxurious yacht motorboat in the sea, luxury private boat cruiseMany people consider chartering a yacht one of the most luxurious ways to go on a vacation, or see different parts of the world. Sailing the open seas while having a crew cater to your needs can be the ultimate way to relax.  But what if something comes up and you can no longer go on the vacation of a lifetime? Or you need to reschedule? Things come up all the time, and there is no better way to protect yourself from the unexpected than getting the proper insurance coverage. Who wants to pay all that money for a trip that they can't even go on?

Things Go Wrong

Based on life experiences, it is safe to say that at some point in life things won’t always go as planned. Life is unpredictable and plans often change. One of the basic issues that insurance protects us against is the fact that life is unpredictable. So while you may not be able to prevent a situation from happening, you can prevent an issue from becoming a worst case scenario. There is no need for something to go wrong and ruin your plans. Vacations are about having fun and creating memories, not headaches that could have been avoided if you had trip cancellation insurance!

Protect Your Investment

Success isn’t reached without a proper management of risk, so don't let your investment go unprotected! Many of your assets such as your business, home, cars, and other items have the protection they need in case of an unexpected issue. There is no reason that your vacation shouldn’t have similar protection as well.

Can No Longer Go on the Trip

For some, going on an extravagant trip like chartering a yacht can be a large expense. There are many different obstacles that can arise that may keep you from being able to go on your trip. Here is just one example.

You have decided to charter a yacht for you and your family to visit a few islands in the Caribbean. The total cost of your trip let’s say is $50,000. The day before you leave for the trip, you become ill and need to go to the hospital. You have a bad case of the flu and need to stay in bed for a few days, just in time for your vacation. Clearly, not a good time to be on vacation, so there goes $50,000 down the drain. Unless you have the proper trip cancellation insurance!

What Will Be Covered?

Typically, a good trip cancellation insurance plan should protect you from many issues that may come up causing you to cancel your plans. Some of the items covered are usually injury or illness, natural disasters, property damage, traffic accidents, schedule conflicts, theft, etc. For more information on the different types of coverage that trip cancellation insurance offers, contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Liability is often unavoidable in life, which is why you need to have protection in all stages of life. Read our previous blog, “Planning to Charter a Yacht? Why You Need Yacht Charterers Liability Insurance.” Our ‘concierge service’ can assist you in finding the proper coverage for all aspects of your life. Our insurance specialists have the experience and knowledge to get you the best life insurance, health insurance, marine crew insurance,marine general liability insurance, business insurance, expatriate insurance, or travel insurance for your budget. For more information on marine general liability, read our previous blog, “Marine General Liability vs. General Liability”.

Things come up all the time, and there is no better way to protect yourself from the unexpected than getting the proper insurance coverage. Read more!

846202328Have you ever heard the saying, “You can do things the easy way, or learn the hard way!” Many say the best way to learn is through experiencing something that will have an impact on you, whether you personally experienced it, or someone close to you did. The important part is that whatever the impact was, it will motivate you to make the right decision. It could have been something bad that made you never want to go through that again, or something good that made you want to have the same result. The following is a case study of two different scenarios of clients who are experiencing the same issue. Both scenarios are handled in different ways, resulting in different outcomes.

The Synopsis

A client recently became ill white working onboard a ship in South America. Since the client was from Europe, they were unsure of how to proceed because they were in a foreign land. Instead of going to seek medical treatment using their international medical insurance coverage plan, they decided to try and remedy the illness on their own.

It didn’t take long for the for the client to become increasing sick and in need of emergency medical attention. Thankfully, the Captain was proactive about getting his crew member the medical attention they needed, but that could have turned out to be a much worse situation.

The Scenario

The Captain reached out to his insurance broker and they were able to guide the Captain through the next steps and the proper course of action. In this case, extreme measures were needed to assure the crew member received the medical attention they needed. Tests needed to be conducted to figure what the treatment plan was going to be to take care of this crewmember. Once the tests were completed, it was decided that an emergency medical evacuation was needed to bring the crew member to the United States. Luckily, the insurance broker was experienced in handling these situations and knew what to do every time a challenge came up, and this contributed to the crew member’s full recovery.

The Service

At MHG, we pride ourselves on our service. Below is just a fraction of the steps our insurance broker took to ensuring the client received the care they needed.

· Set up a text line of communication to keep track of everything.

· Spoke with the local hospital and facilitated contact with the insurance carrier, which advised the carrier’s “emergency team” to step in.

· Remained in constant contact with the emergency team and the Captain throughout the weekend.

· Provided the emergency team with a list of healthcare facilities that were in the network of the insurance plan.

· The emergency team contacted our insurance broker when they needed vital information to proceed with the medical evacuation.

· Provided the necessary information and paperwork to receive a Humanitarian Visa.

The Lesson

Thankfully, everything turned out to be ok after receiving the necessary medical treatment and attention. Different companies and teams worked together seamlessly which was aided by an experienced and dedicated insurance broker. In situations like these, you can’t put a price on customer service, and in this case, it may have saved a life.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “Yacht Crew Insurance Terms 101”.

The following is a case study of two different scenarios of clients who are experiencing the same issue. Both scenarios are handled in different ways, resulting in different outcomes.

869641322Do you ever find yourself too busy to exercise? Is working a full time job making it difficult for you to find the time to stay active?

Working a full time job is one way to keep someone busy. Trying to find time for yourself, or time to work out can be quite a challenge. After all, spending the majority of your day at work and battling rush hour can take a lot of energy. Yet, there still is no excuse for taking care of yourself. Living a healthy lifestyle is important, and sometimes it can feel like work gets in the way of that. So if you find yourself willing to try something new in order to stay active while working full time, follow some of these great tips!

1. Get Up Early

Waking up early can be a drag if you aren't a morning person. Hitting the "snooze" button is almost unavoidable. While it may take some will power and extra motivation, getting up earlier to work out can have an amazing impact on your day. For one, exercising in the morning is a great way to start the day, get your blood pumping, and give you that feeling like you are ready to take on the world. You will even find that by working out in the morning that you may be sharper throughout the day.

2. Ride Your Bike or Walk to Work

One fun way to try and stay active is to walk or ride your bike to work. While this option may not work for everyone, those that live in close proximity to their job should give it a try. Enjoy the scenery, get some fresh air, and have some time to clear your mind before starting your day at the office. The best part is that you will be saving money on gas!

3. Take Periodic Walks

While on the job, you want to be productive as you possibly can. So taking a long walk might be a bad idea. However, try breaking that long walk into shorter ones throughout the entire day. Use a bathroom break to walk around the building for a few minutes. Doing this every couple of hours will add up, and by the end of the day you might be surprised how much you have walked. Try wearing a pedometer to help keep track of your steps and help you reach any daily goals you might have.

4. Join a Gym Close to Work

If you work close to a gym, consider getting a gym membership there. You can go for a work out on the way in or just after you get off. Waiting until you get home to exercise is another option, but after having along day on the job and having to battle through rush hour can leave you feeling exhausted by the time you get home.

5. Use Your Lunch Break

Going on your lunch break is one of everyone's favorite parts of the day. If you plan on eating at nearby restaurant or are picking up food to take back, try walking instead of driving. Or if you joined a nearby gym, try going there during your lunch break to save time. Just be sure to shower before heading back to the office, no one wants to sit next to the sweaty person.

Here at MHG Insurance Brokers, we look forward to sharing tips and information with you that may help keep your stress levels down, and your quality of life up! Whether you are purchasing health insurance for the first time or already have a plan in place, or are simply looking for better coverage, we want to help you find an affordable health plan that works for you. Please feel free to contact us here by calling 954-828-1819, or visiting mhginsurance.com!

Do you ever find yourself too busy to exercise? Is working a full time job making it difficult for you to find the time to stay active? Read more!

818435778It’s getting to be that time of the year! That time where everyone looks back on the past year and makes changes for the upcoming one. Whether it is taxes, budgets, even weight loss, the motto is “out with the old, in with the new!” However, you may have not originally thought to review your life insurance policy. It’s always a good idea to review any insurance policy periodically, but the end of the year brings a perfect time to look at your current policy and see if it still offers the coverage you need.

Do You Have New Dependents or Family Members?

A lot can change over the course of a year, especially when it comes to relationships and families. Did you get married? Did you have children? Do you have new dependents in your life that may need to be made a beneficiary of your life insurance policy? These are all questions you should ask yourself when reviewing your policy. Also, maybe you need to increase the overall value of the policy to account for new dependents.

Did You Have Any New Major Purchases or New Debts?

Many times, people decide on the value of their life insurance policy based on their outstanding debt. For example, if you have a mortgage of $200,000, it would be smart to include $200,000 in your calculation for your life insurance to cover the cost of the house if something were to happen to you. Purchases such as buying a house, buying a car, starting a business are all ways to increase your debt, and should be taken into consideration when deciding the value of your policy.

Did Something Change at Your Job?

There are scenarios of changes at the workplace that should give you a reason to review your life insurance policy. One is if you were to start a new job. There is a chance that your job offers employee sponsored life insurance based on your salary. This is a great benefit to have, so take the amount of coverage provided into consideration if you are purchasing a policy.

If you didn't start a new job, there are still changes that may have occurred over the past year that warrant a policy review. Getting a raise may give you more expendable income to increase your policy value. Also, if you received a promotion, there may be changes to the benefits provided to you such as the value of your life insurance policy.

Did You Move?

Moving always seems to bring more changes to someone's life than they originally expected. If you moved to a foreign country, there is a strong possibility that your life insurance coverage didn't follow you to your new home. Many life insurance policies are only covered in the country of purchase. However, it should be noted that there are several options for international life insurance coverage. If you would like more information on international life insurance, read our previous blog "Does Your Life Insurance Cover You Outside You Home Country?".

There are many things to take into consideration when making the decision of which type of policy is best for you, your family, or loved ones. For help trying to figure out which policy is best for you, read our previous blog, “What Are My Life Insurance Options?” Are you interested in purchasing Life Insurance or International Life Insurance? Would you like some more information regarding Life Insurance options that are available to you? Would you like to ask some questions to a Life Insurance expert? If the answer to any of these questions is yes, please contact us 954-828-1819 or visit us online at mhginsurance.com and talk to one of our insurance specialists for help in selecting Life Insurance and other coverage to ensure that you and your loved ones have the protection you need at every stage of life.

It’s always a good idea to review any insurance policy periodically, but the end of the year brings a perfect time to look at your current policy and see if it still offers the coverage you need.

Hipster businessman with laptopHave you ever found yourself in a situation where your health insurance refuses to cover a certain medical bill that you thought would be covered? Bills such as visits to a provider who was once in your network, and without notice was removed from the network is a prime example. Sometimes mistakes are made, and just because your insurance carrier denies your claim, doesn’t always mean that you will be left to foot the bill. There are steps that you can use to take action and try to ensure that you will receive the coverage that you have been paying for. By filing an appeal or disputing a health insurance claim, you can hopefully change the outcome.

Internal Appeal vs. External Appeal

There are different types of appeals processes. You can use an internal appeal where your insurance company will review the case and make the decision. If the internal appeal process does not work you can use an external appeal where an independent third party will review and then have the power to make the decision, meaning the insurance company will not have the final say.

Ask for Help!

We are here to help you! Being insurance brokers, we work for you, not the insurance company. We protect you best interest and help you in any way we can. Many times, we have the relationships built, know the loopholes, and have past cases that are similar that we can use to help get a favorable response.

Don’t Take No for an Answer

Sometimes, the insurance company’s representative on the phone is simply following their basic protocol. The agent may not have the authority to make decisions beyond there guidelines, so ask for their supervisor. If the supervisor doesn’t give you a positive answer, ask for the department that can escalate your case for review.

Reach Out to Contacts

We reach out to contacts at your insurance carrier. Sometimes, relationships can help you get the answer you want to hear or point you in the right direction. Also, our relationships with people at the insurance company may benefit you in the form of exceptions for your case. Some of our contacts have that authority. Remember, sometimes it’s who you know! If that’s not enough, we ask about filing an appeal. Identifying similar cases may help in finding a loop hole or scenario that you can benefit from. This can determine the likelihood of getting an approved appeal.

Be Patient

Disputing a health insurance claim is a lengthy process. It can take up to 90 days to conduct the appeal, so patience is a virtue.

Prevention

The best way to avoid disputing a claim is to read your policy and the updates that are sent to you. Do your research and learn exactly what you have coverage for, who is in your network, etc. If your doctor recommends a procedure, you will be better prepared to ask questions.

Sometimes there are things in your plan that you don’t understand, or words that you have never heard before. For help with tricky health insurance lingo, read our previous blog, “Health Insurance Terms 101.” If you are interested in purchasing health insurance, or have any questions about your plan, or which plan would be best for you and your family, contact us at 954-828-1819 or visit us online at mhginsurance.com. We have the insurance specialists to assist and advise you on the best coverage for you and your loved ones at every stage of life.

Have you ever found yourself in a situation where your health insurance refuses to cover a certain medical bill that you thought would be covered?

175511857Working onboard a yacht can be an exciting and fulfilling experience. Yet, being at sea for extended periods of time can present some dangers, from big waves, storms, mechanical issues, etc. But what many don’t realize, that there can be just as many dangers for yacht crew while docked at a shipyard. Yes, you may essentially be on “land” but all that does is raise new opportunities for accidents and tragedies. So if you are scheduled to be docked at a shipyard, be aware of the following mishaps, which can help prevent an injury, or worse.

Strangers

When the yacht is in the shipyard, there are many people coming onboard which can make a tight area quite crowded. People stepping all over each other, turning a corner and running into someone, there are many scenarios that can lead to an injury. Especially since the majority of the people that will be on the yacht are not familiar to the vessel’s environment. Make sure to have some caution signs to warn the crew of work in progress, or workers that are coming onboard.

Clutter

Being on a yacht for months at a time, you begin to know every nook and cranny like the back of your hand. Knowing everything from certain creaks, slippery areas, changes in floor elevation, can help keep you from injuring yourself. With many people coming aboard and different crews working throughout, there can be a lot of tools, hoses, drop clothes, wires, open panels, construction materials, and a plethora of other items lying around, just waiting to be tripped over. Also, when docked, there is good chance your yacht is going through an extensive renovation, which can lead to many things being moved around, and not put back in their proper places. Make sure you go around and check if everything is put back correctly, and that equipment is ready to go once cleaning has finished, and watch your step for any materials just laying around!

Land Legs

Did you know that some people suffer from motion sickness once they’re back on land after spending a long time on a boat? When you’re on a boat for a long period of time you get used to the rocking motion and when returning to solid land, some can still feel the rocking sensation which can cause motion sickness. Take the time to obtain your land legs if you will be doing work on solid ground, this way you don’t lose your balance. Do some exercises (jumping jacks, yoga), get some sleep, or try some other stress relieving tips to help you get your legs.

Chemicals

Usually when a yacht is docked at a shipyard, it is time for an extensive cleaning. With cleaning comes some chemicals and fumes that can be very dangerous. Have you ever heard what happens when mixing ammonia and bleach? There are also many other chemicals that can stem from your vessel being docked, from stripping varnishes, water treatments, and new urethanes. Not having the proper protection from harmful chemicals can lead to problems. Be sure to have proper gloves, masks, suits, etc.

MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. For more information on yacht crew insurance read our previous blog, 5 Things You Should Know About Crew Insurance. If you are interested in purchasing or have any questions about yacht crew insurance or travel insurance, or would like some advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. See you at the Newport Charter Yacht Show!

If you are scheduled to be docked at a shipyard, be aware of the following mishaps, which can help prevent an injury, or worse.

flightThe “fasten your seatbelt” light has just lit up! You are now on your way to your destination. Isn’t it exciting traveling to different places? I’m sure it would be even more exciting if long flights didn’t take such a toll on you, mentally and physically. Long international flights can almost make it hard to enjoy your trip, with all the time being seated, and the long customs lines you must go through.

With all the things everyone dreads about international flights, it is all worth it when you get to experience new cultures and traditions, see sights you could never imagine, or relax on a beach for your vacation. Since long flights get a bad rep, use these 5 tips to help survive your next flight, and get you to your enjoyment with more peace of mind!

Request a Special Meal

It used to be customary for you to receive a free meal on all flights, domestic and international. Now you are lucky if you get a bag of peanuts. However, there are still many foreign airlines that may serve you a meal during an international flight. Look up airlines that still have this feature, or try requesting a special meal when you are booking. Having a substantial meal instead of snacking can give you energy and keep you from feeling drained.

Set Your Time

One of the harder things to get accustomed to when traveling internationally is the local time. Your body typically runs on its own clock. So if you are traveling somewhere that is 5 hours ahead, you could be in for a rough transition. Set the time of your destination when boarding the flight. This will give you better judgement of how much time you will have left in the day upon arrival, and also allow you to use the flight to adjust if needed.

Bring a Survival Kit

Don’t you hate sitting next to a screaming baby for 20 hours? One way to help prepare is by bringing a survival kit to help you get the rest you need, and keep you in the best mood possible. Pack ear plugs, an eye mask, snacks, toiletries, etc. It is also a good idea to freshen up halfway through the flight to give you your second wind. This will also give you an excuse to get up and move around.

Don’t Forget the Entertainment

A long international flight can sometimes feel like a lifetime, and if you don’t have things to keep you busy, it will feel like an eternity. Pack an iPod, iPad, tablet, laptop, etc. to keep your mind busy. You can also bring a book(s), word puzzles, Sudoku, and other items as well.

Take Care of Your Body

Did you know that flying can dehydrate you? Stay hydrated, and bring water to drink regularly throughout the flight. Also, try to get up and stretch regularly to keep your blood flowing and keep from getting stiff.

For more help when traveling overseas, read our previous blog, “Tips for Traveling Abroad.” We wish you safe travels along your journey. If you are interested in purchasing travel insurance, or have any questions or concerns, please contact us at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com. Our insurance brokers have the experience to assist you in selecting the right plan for you, with the best value.

Since long flights get a bad rep, use these 5 tips to help survive your next flight, and get you to your enjoyment with more peace of mind!

MarineWelderCommercial General Liability insurance is designed to cover land-based operations. Typically, there is an exclusion in most CGL policies for any work done onboard ship, docks, or piers. The reason for this exclusion is that marine risks are better suited for a Marine General Liability policy. One major area of concern for a marine risk is the coverage for care, custody, and control. This coverage is critical for ship repairers especially and is a standard coverage on an MGL policy.

A Look Back

As you may have read in one of our previous blog posts, Marine General Liability vs. General Liability, we explained that General Liability excludes work done on ships, docks, and bridges. A General Liability policy doesn’t include watercraft coverage; including the ownership, maintenance, and use of watercraft owned by you, the insured. The client, shipyard or vessel may never know all these exclusion by just looking at a certificate of insurance. The forms and endorsements are included 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.

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). Premises/operations coverage pays for bodily injury or property damage that occurs on your premises or as a result of your business operations. Products/completed operations coverage pays for bodily injury and property damage that occurs away from your business premises and is caused by your products or completed work.

Marine General Liability

Marine General Liability policies are designed specifically for those who work on vessels, docks, and ports. These policies include coverage for Marine Contractors, ship repairers, and others who work on or near water.

Why didn’t I Know about This?

Often, contractors that perform work such as carpentry or welding will be asked to do work on a ship or in a port. Their normal operations are on land and they carry CGL coverage. Many do not realize that their current policy will not cover them for work done on a vessel or on a dock. Most shipyards, vessels, and ports don’t check the coverages listed on a certificate of insurance provided by the contractor, they may let them work with improper coverages, not knowing the exclusions that the contractors have in their policies. This is where the problem arises, since they may not be covered in the event of a loss or accident.

Why aren’t Marine Contractors Covered?

Commercial General Liability policies are not designed to cover marine operations. In order to offer coverage for a risk, the underwriter needs to understand the operation. Class codes are used as a way for an underwriter to rate a risk and determine the premium paid. Class codes are also a way for an insurance company to decide what types of business they want to insure. It is important that the company that insures your business understands exactly what you do and how you do it. Otherwise, you may be paying for a policy that will not cover a loss specific to your business. Marine businesses are best insured by a marine underwriter with an insurance company that is familiar with the marine industries.

Working with an expert insurance broker, like the brokers at MHG Insurance Brokers, can help you obtain a policy that specifically addresses your needs and is customized to your benefit. Remember, cruise lines and marinas require proof of appropriate insurance coverage before any job can begin, so make sure you have the right policy in hand. To learn more about the advantages of Marine General Liability coverage, contact an MHG broker today by visiting mhginsurance.com or calling 954-828-1819. For more information on filing an MGL claim, read our previous blog, “How to File a Marine General Liability Insurance Claim”.

Typically, there is an exclusion in most CGL policies for any work done onboard ship, docks, or piers. Read to learn more!