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New Business Owner Types Of Commercial InsuranceOne of the first tasks you face as a new business owner is making sure your business is protected from loss with the right commercial insurance. A single uncovered incident or lawsuit could spell disaster for your fledgling business, draining your financial resources and causing you to shut your doors forever. 

 

While your particular city and state may have additional coverage requirements, there are certain universal commercial insurance policies that every commercial business should have. These essential commercial insurance policies include: 

General Liability Insurance The most basic form of business insurance available, general liability insurance is a must for every business, as it protects you in case anyone is injured by a product or service you sell. Your landlord may actually require you to carry commercial general liability insurance, as it also provides legal protection in case anyone is injured at your place of business, protecting you from the legal hassles and liability associated with accidents, injuries, and claims of negligence. 

Commercial Property Insurance – Many business owners mistakenly assume that if the building they are in were burgled or burned,their items would be covered under the landlord insurance policy. This is only true if any damage that occurs is due to neglect of the landlord. Inquire about available policy add-ons, which extend your coverage at an additional cost; popular add-ons include Full-replacement Cost Coverage, which pays the actual cost of replacing lost items, rather than a depreciated value and Business Interruption. 

Business Interruption Insurance – This coverage is essential for the long-term survival of your business, as it provides coverage for loss of income due to a covered claim (fire, water damage, etc.). Standard business insurance will pay for property damaged in a covered claim, but does not address the loss of income you face because of that claim. For instance, when you add business interruption coverage, also known as loss of business income insurance, in addition to reimbursement for the property lost in a fire, you are also reimbursed for the income lost during the weeks it takes before you can re-open for business. 

Professional Liability Insurance – If you have a business that offers any sort of professional advice or service to clients, such as accountants, architects, engineers, attorneys, or consulting firms, you should have a Professional Liability Insurance policy in place. Anytime you offer advice to clients, a simple mistake or undesired result can tempt disgruntled clients to sue. Even though there may not be a valid claim, defense costs can quickly escalate, significantly damaging your financial solvency. Professional Liability Insurance covers you from claims made for negligence, failure to perform, and inaccurate advice, as well as perceived financial loss and violation of good faith and fair dealing. 

The insurance experts at MHG Insurance Brokers are available to answer all your business insurance questions, from general inquires such as, “As a new business owner, what types of commercial insurance do I need?” to specific questions about the exact type and amount of coverage you need. When you choose to work with MHG for your commercial insurance coverage, we will analyze the unique needs of your business to secure the best plan for you from our complete line of business insurance solutions. 

Contact MHG Insurance Brokers today at 954-828-1819, to learn more about obtaining commercial insurance that will fully protect your new or existing business or visit us online anytime at mhginsurance.com.

As A New Business Owner, What Types Of Commercial Insurance Do I Need?

General Liability vs. Marine General Liability

 

All companies need protection from certain potential risks associated with operating a business that will provide coverage in an unfortunate event in which they are held accountable.  Broad-spectrum coverage for these risks is called General Liability insurance. General Liability insurance may protect your company and your interests against any of these unfortunate occurrences:   

  • Bodily injury;
  • Property damage;
  • Damage to premises;
  • Personal and Advertising injury – this protects your business against oral or written advertised slander, libel, or disparagement ;
  • Fire damage to the premises caused by the negligence of the insured.
When you carry General Liability insurance, the insurer may cover potential legal costs incurred by you, the insured, in the event of a legal claim or lawsuit. We live in a litigious society, making this type of coverage extremely necessary in the maritime industry. Marine General Liability is designed to protect against accidents or injuries that are associated with or have occurred on or around a waterfront, or in another marine setting. Marine General Liability policies provide coverage for the typical liability risks that businesses incur, which are covered in a standard General Liability policy, and may be written to offer additional, more specific protections that address the more unique needs and potential risks associated with maritime operation, such as:

  • Liability absorbed when renting or leasing a boat or watercraft. Protection includes property damage to the vessel, as well as pier damage;
  • Liability and hazards faced by marina operators, and includes property and structure damage protection;
  • Liability met by terminal operators against loss or damage of cargo;
  • Liability met by operators and owners of piers or wharves, covering damage to property of others while in their custody, including tugs, tows, cargo and equipment.
Marine General Liability coverage can be tailored to include employee benefits liability, international liability, stop-gap liability, and more.  It is essential to seek the advice and information from a trusted, knowledgeable broker, such as MHG Insurance Brokers. The team at MHG Insurance Brokers is well versed in the risks and coverage requirements of those who work in the industry. MHG Insurance Brokers works with you to determine your specific needs and budget, and will create a comprehensive liability package that will meet every one of those needs. 

Your MHG Insurance Brokers representative will also work to get you the best price and assurance that your interests and good name will be fully protected. MHG Insurance Brokers takes the job of helping you reduce your risk and protect your business very seriously.  With over 20 years of experience, you can feel confident and trust the expertise of our highly trained and educated brokers. 

It is our practice to assist you in translating complex terminology, clarify key features of the coverage you are considering, and help you assess and determine what your coverage requirements are. We apply our experience and take advantage of resources that we have built over the years to provide you with the best coverage from the most trusted insurers. 

Going beyond that, we remain your partner in protection, offering our services to help you with questions, information, and claims assistance if and when you need it – at any time. 

Contact MHG Insurance Brokers to learn more about Marine General Liability coverage, by calling 954-828-1819, or visit MHG Insurance Brokers online at: mhginsurance.com.  We look forward to being your partner in liability protection.

What is the Difference Between General Liability and Marine General Liability?

Renters Insurance If you are a renter, you have probably considered purchasing renters insurance. While you may have concerns about adding another insurance policy to your budget, renters insurance is more affordable and important than you may think. Imagine coming home and finding your apartment or rental has been gutted by a fire, or perhaps burglarized. Most renters incorrectly assume their items would be covered under the homeowner’s insurance policy. This is only true if any damage that occurs is due to neglect of the landlord. If the robbery or fire were not technically due to landlord negligence, then their insurance policy would only cover the physical structure of the property and not any of your personal belongings inside. If you were in fact the victim of a robbery or fire, would you financially be able to recoup everything you have lost? For most people, this would cause a serious financial and emotional strain. 

 

There is one way, however, to protect yourself – by purchasing a renters insurance policy with the proper level of coverage for your lifestyle and belongings. MHG Insurance Brokers has helped people find the proper rental insurance policy that fits their needs and budget. Most people are surprised to learn just how cheap renters insurance is, considering how valuable the policy can be if the situation arises. Many policies range as little as 10 dollars per month, depending on the area you live and the amount of coverage you desire. 

Our skilled insurance brokers can explain to you the details of a standard renters insurance policy. Depending on your personal situation, there are also insurance add-ons that can supplement the standard policy. These add-ons usually have an additional cost and include:

  • Full-replacement Cost Coverage – Your standard insurance policy will pay you the cash value of the items lost; this “cash value” is calculated by the price you paid minus any depreciation. If you want to be compensated for the actual cost to replace these items (in today’s value), then ask an MHG broker about supplementing with Full-replacement Cost Coverage.

  • Floods and Earthquakes – Most standard renters and homeowners insurance policies will not cover flood or earthquake damage. If you live in a zone where these types of natural disasters are common, you may want to consider an additional policy to cover your belongings.

For less than the price of a daily cup of coffee, arming yourself with the proper level of renters insurance can offer you peace of mind when it comes to the valuable property you have worked so hard to obtain. Let one of our experienced and knowledgeable brokers help you determine what level of coverage you need and present you with quotes from top-rated insurance companies. Don’t lose your belongings to an unexpected fire or burglary. Protection is easy and very affordable with the right renters insurance policy. Call MHG today at 954-828-1819 to learn more. You can also visit us at mhginsurance.com

Why Renters Insurance is Important

Swimming Pool Safety Tips

Swimming Pool SafetySummer time is highly anticipated by everyone, especially children. It means playtime outdoors, quality family time, and swimming in the pool with friends. For those of us that have swimming pools in our backyards, we know it is a great source of exercise and fun. However, it is also a big responsibility.


It is critical that any pool owner take appropriate measures to safeguard their swimming pool, and to make swimming pool safety a priority in order to avoid injuries or accidents. Swimming pool accidents can occur quickly and with no warning. According to the CDC (Center for Disease Control and Prevention), drowning is a leading cause of accidental death for children ages 0 to 14. 

Below is a list of important safety precautions for parents and pool owners to follow to ensure the safety of everyone swimming this summer:

  • Fencing – Appropriate pool fencing reduces the risk of drowning by more than half. The fence needs to be four-sided,  four feet high, and set up to completely barricade the pool. It needs to be secure with a lock that is out of a child’s reach. All stepladders need to be removed from the pool area completely when the pool is not in use.

  • Get a Pool Alarm – Pool alarms will alert you if someone simply enters the perimeter of the pool, or if they happen to jump or fall into the pool.

  • Learn CPR – Knowing how to perform CPR can not only save a drowning victim’s life, but it can dramatically affect the outcome of their recovery, even preventing possible brain damage.

  • Swimming Lessons – Children who cannot swim should not be permitted near a swimming pool. The American Academy of Pediatrics supports swimming lessons as early as age one. Children can attend a certified swimming class as early as age four. Parents should always accompany children who are under four years of age near a pool. Rescue equipment, life jackets and floatation devices should be located near the pool, and any inexperienced swimmers should use a life jacket.

  • Adult Supervision – There is no substitute for an observant adult who is present poolside while children are swimming. It is common for swimmers to develop cramps while in the pool, and for head injuries to occur when jumping in the pool.

  • Review your insurance policy – Make sure you have adequate liability coverage in your existing Homeowners policy, and check whether the coverage protects those who may possibly sustain an injury while in the pool.  Protect yourself as well as those who use your pool.

MHG Insurance Brokers wants to ensure that our clients have a safe and enjoyable summer. If you have questions about whether you need additional liability coverage that will include your guests when they use your swimming pool, feel free to contact MHG today.  You can discuss insurance options with one of our experienced brokers by calling 954 – 828 – 1819, or by visiting mhginsurance.com.  MHG Insurance Brokers will help you determine if you need further protection.  Have a great summer and be safe!

Swimming Pool Safety Tips

Commercial Auto PolicyCar 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. How do you know if you need a Commercial Auto policy? 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 insurance policies exist not only for commercial vehicles such as semis, dump trucks, emergency vehicles and taxis, where it is apparent that business is being conducted in and out of these types of vehicles every day. 

Here are several other situations in which a commercial auto insurance policy is the appropriate policy to secure for your vehicle – situations where a personal policy will not provide adequate coverage in the event of an accident:

  • If you use your personal vehicle for day-to-day business, such as a delivery person or courier.

  • For vehicles that are rented or leased and primarily used for or while conducting business.

  • If you are a realtor, have a similar job where you consistently travel in your personal vehicle for work to go on sales calls, or to transport clients or coworkers.

  • If you provide your personal vehicle to another person to use as a means of compensation or to utilize when running errands or picking up supplies on your behalf, such as a personal assistant or nanny.

These are situations where a commercial auto insurance policy is necessary, so that in the unfortunate event of an accident, your vehicle will be covered for damages. This policy also provides coverage for any other authorized drivers or passengers traveling in your vehicle who sustain injuries or medical costs incurred because of an accident. 

A personal auto insurance policy would not adequately provide coverage in these instances, due to the nature in which the vehicle is being used, which is for business purposes. Commercial auto insurance policies can also play a key role in protecting your business. A type of liability coverage that can be built into your commercial policy serves to protect your business from monetary judgments in a case where your employee gets involved in an accident while conducting business for your company, even if he is driving his own vehicle. This type of liability coverage can protect your business from serious financial jeopardy. 

 The differences between personal and commercial auto insurance policies are not always clear-cut and easy to understand. That is why it is vital to work with an experienced, knowledgeable, independent insurance brokerage. MHG Insurance Brokers is dedicated to providing its clients with the most comprehensive coverage available on the market, tailored to accommodate the clients’ needs, at the most competitive rates. Call MHG Insurance Brokers today for assistance in evaluating your auto insurance needs with one of our brokers at 954-828-1819, or visit mhginsurance.com.  

Rest easy knowing that MHG Insurance Brokers will help you protect yourself and your business with the proper commercial auto insurance policy.

Do I Need a Commercial Auto Policy?

Individual Disability Income Protection If you are currently employed as a yacht crewmember, chances are you have heard about individual disability income protection. Although some reports state the economy is improving, times are still tough and salaries are not increasing the way they have in the past. In addition, with a disabling accident or illness occurring or being diagnosed every few seconds, it would be a wise choice to consider disability insurance.

 

Let’s take a look at a real life scenario about a yacht crewmember who did not purchase disability insurance: 

“Last June, we had a Chief Stewardess fall down the stairs onboard a yacht. She landed on her head and injured her spine, causing temporary paralysis. She still has a long road to recovery in terms of her coordination and strength in her limbs. She has had to rely heavily on others, including her significant other, for both financial support as well as in caring for her day to day needs. Had she purchased a disability plan, she would potentially be receiving 65% of her salary.” 

When accidents and injuries happen to those who are uninsured, it brings a financial, physical and emotional strain to those who become their caretakers. Unfortunately, not everyone has a significant other or family member nearby, and they are left to hire a home nurse or caretaker. These expenses, in addition to medical bills, can be astronomical.  

Also keep in mind that if you are disabled, you will be living on shore. This will likely result in additional living expenses such as electric and water that you may not have had while working at sea. Just like accidents, long term illness can also cause significant financial challenges.  

With a long term illness, you can also find yourself in a situation where you not only need to rely on others for support with daily activities but you may also find that the ongoing medical costs may not be adequately covered by your insurance plan due to additional deductibles, non-covered items or co-insurance. 

A disabling injury or illness has the potential to ruin someone financially. Living expenses continue to rise, as do the costs for adequate medical care. Disability income can offer you peace of mind knowing a significant portion of your income can be replaced in the event of an unfortunate situation.

Disability income protection is just one part of your overall insurance picture, so be sure to consider it along with health and life insurance. MHG Insurance Brokers specializes in insurance plans for yacht crew members. We have the knowledge, experience and relationships with top-rated disability insurance carriers and can tailor a policy to your budget and needs. Call MHG today at +1 954-828-1819 or visit mhginsurance.com  to determine which disability insurance plan would be right for you.

Income for When You Are Not Working

Unlike most other classes of business, security guard workers' compensation is a niche market and can be difficult to place. Even with every safeguard in place, there are times when an accident may happen. During these times, an employee may need compensation for medical bills, injuries, etc.

 

In the past, obtaining Workers Compensation Insurance for employees such as security guards, private investigators, security consultants and alarm contractors has not been easy due to the nature of the business. Today, anyone in this sector looking for Workers Compensation Insurance has a professional on their side.

MHG Insurance Brokers uses multiple "A" rated carriers to insure security guards and related personnel who work in this industry. The insurance carriers that work with MHG realize and take into account: - The dangers of the work environment, - Training the guard has received, - Work experience of the guard, - And what type of exposures he or she might encounter at their particular place of business. 

Insurance carriers quoted through MHG will also look beyond the class code, and take into account the types of security offered and the implementation of security procedures. Because private security is such specific market in terms of insurance, and finding the right type of coverage can prove challenging, it is important to stress how working with a broker can help. Experienced brokers, like the specialists at MHG, are able to research the varying types of coverage and explain the differences, and also help navigate the various coverage forms and help clients find the broadest coverage available to them. 

In addition to these services, expert brokers can help clients avoid coverage gaps. While captive agents (those working for one specific company) try to make clients fit into their Workers Compensation product, an experienced broker works for the client and combs the market until they find the best product that fits each client's specific needs. Clients will also find additional benefits when working with "A" rated carriers through MHG, such as wage freezes and dividends or incentives.

Wage freezes are crucial as more experienced guards are often paid higher wages. Carriers offer wage freezes with guards who have extensive experience, as the likelihood of loss is lower. In terms of incentives, MHG's preferred security guard insurance carriers may offer dividends and incentives to their clients meaning a portion of the insurance premium is returned to the client based on favorable loss history.

MHG is a leading insurance broker for the private security industry, including guards, alarm firms, private investigation and more. Their brokers deliver a variety of insurance solutions that include competitive rates, comprehensive forms of coverage and industry knowledge of the security and investigation sectors. To learn specific details about a Workers Compensation Insurance policy for security personnel or to get a free quote, call 954-828-1819 or visit mhginsurance.com.

Workers Comp for Security Employees

Hurricane season officially started June 1st, are you ready?  

 

The National Oceanic and Atmospheric Administration (NOAA) predicts a near normal 2012 Atlantic hurricane season with nine to 15 named storms, of which four to eight will strengthen to a hurricane with winds of 74mph or more and of those, one to three will become major hurricanes with top winds of 111mph or more. While these numbers are slightly below average for hurricanes for the region, it only takes one storm to make landfall for a major disaster. Are you prepared for hurricane season?  

By now you should have completed all necessary pre-hurricane season preparations, but if you haven’t, looking at your insurance policies to ensure you have adequate coverage in place would be a good place to start. It is important to know what you are covered for and what your deductible is. Are you covered for windstorm, flooding and other storm related damage? 

Many homeowners and business owners do not realize that most windstorm policies do not cover flooding, and include a 30-day waiting period before flood insurance coverage becomes effective. “When a tropical storm or hurricane threatens Florida, you can’t buy or modify coverage, so plan ahead.” suggests Laura Lieberman, General Manager of the Business Insurance Division of MHG. “Most of the carriers follow Citizens so if they have suspended binding authority, chances are the other carriers have too.” 

Take time this weekend to review your insurance coverage and get the rest of your hurricane plan in place. Don’t forget to check your shutters, generator, take pictures of the outside and inside of your property, gather important papers, place them in a plastic bag, and store in a safe place. Also, trim dead or weak branches from trees as they can become missiles. It is important to have an evacuation plan, including a family meeting spot, shelter location if needed, and to make arrangements for your family pets as not all shelters are animal friendly.   

Prepare a disaster kit.  This kit should include enough food and water for each family member for three days, a battery-powered radio and flashlights, an emergency contact list, personal hygiene items, cash (no electricity means no working ATMs) and first aid materials.  If any in your family requires regular medication make sure to include an ample supply.  

Lastly, be sure to fill up your gas tanks ahead of time as the lines at the gas station will increase as the storm nears.

MHG Insurance Brokers urges you to be ready for hurricane season. As an insurance broker, MHG works for you, our client. We research the market to find the best suited plans based upon your needs, future plans and budget requirements. Whether you are looking for commercial insurance, comprehensive health benefit plans, life insurance, travel insurance, trip cancellation insurance, or a specialty marine medical plan, speak with the insurance specialists at MHG. Contact us today at 877-278-7400 to learn more.

Get Marine Business Insurance Through Hurricane Preparation

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