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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

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’

The only constant in life is change. You’ve heard it and are intimately familiar with the dynamic quality of life. Whether you’re starting a family, going on a trip to a foreign country or moving to a new city, life’s milestones can also put you at risk of being underinsured. 

 

Although insurance can be confusing and overwhelming, it’s important not to dismiss the responsibility of understanding your coverage and when and why you need it. Instead of tackling this task on your own, the best way to ensure that your insurance coverage is keeping up with the events in your life is through periodic reviews with your insurance provider. Adequate coverage is essential to your financial security, and without it, you could be unwittingly putting your hard-earned money at risk. 

MHG clients are fortunate to have access to knowledgeable insurance representatives to help translate the convoluted to comprehensible, helping to make sure that the things that matter most are protected. Our reps offer round-the-clock support – whether you’re curious about the benefits of life insurance, are wondering whether or not you need commercial insurance or need to understand your health insurance co-pay policy, MHG is always just a phone call or email away. 

All MHG clients receive this free service from our experienced, credentialed professionals. We are committed to helping you map out your financial future as a full-service insurance provider

Remember, MHG’s 24/7 service comes free of charge, but the peace of mind that comes with knowing that you took the time and action to protect your family and belongings is invaluable. MHG Insurance Brokers has set up phone numbers around the world for your convenience. We welcome you to call us any time to learn more.  

The Right Amount of Coverage for Every Stage of Life

Earlier this year, reports were issued that showed that the rise in life expectancy of Americans has been much slower than that of other wealthy nations. In a country where one in three adults are overweight and smoking deaths from the Baby Boomer generation reached unprecedented numbers, it’s no wonder the U.S. spends more on health care than any other country.

 

Americans may indulge in unhealthy habits more than other rich nations, but that doesn’t mean bad eating habits and cigarettes aren’t major health risks in other countries all together. As time and society progresses, we’re spending more time working and less time looking after our health – whether it’s cooking nutritious meals or finding healthy ways to manage stress. 

The global decline in health has caused millions of people to miss work due to serious health conditions. A disabling injury occurs every 1.5 seconds, and debilitating illnesses like cancer or a stroke are even more likely than a disabling accident. With stats like these, you very well may want to consider securing disability income protection

Financially, a disability can be even worse than death, since living expenses continue and typically increase due to the need for specialized care. Disability income insurance is designed to replace the majority of your income in the event that you are disabled by an injury or illness. 

While popular health documentaries like “Food Inc.” and “Fat, Sick and Nearly Dead,” urge us to make our health a priority, it simply isn’t realistic for the majority of people to make a complete lifestyle overhaul. Whether it’s a condition caused by habits that are under our control, or a life-threatening illness or accident, any disabling condition can result in extended periods of time out of work. 

Protect yourself by securing individual disability income insurance today. MHG Insurance Brokers offer many different plans for individuals in varying circumstances. Contact your local MHG expert today for more information.

Disability Income Insurance: More Necessary Now Than Ever Before

A common question asked by most business owners is whether or not they really need business, or commercial insurance. Considering that you and your business will face some form of liability or risk frequently, it is important to recognize and be aware of your exposure to these risks. From an employee’s on-the-job injury, to accidental damage to the property of a client or third party, to potential lawsuits, the possibility of encountering a variety of situations in which your business could be held liable is very real.

 

Accidents will happen, and the size of your business should not limit your ability to protect it. Depending on the type of business you run, there is a business insurance plan to meet your coverage requirements. Don’t make the costly mistake of believing that business insurance is just another money pit, it is paramount to the longevity of your business and livelihood that you secure adequate protection for your company.

MHG Insurance Brokers is an independent broker with resources and contacts that enable us to work with a variety of insurance carriers to obtain the best property and liability insurance for you and your company. We offer a complete line of business insurance solutions. When you choose MHG for your commercial insurance coverage, we will analyze the unique needs of your business to secure the best plan for you. We offer a complete line of business insurance solutions, including:

Please visit the commercial insurance section of our website for a full list of available coverage options, or contact MHG’s commercial insurance expert, Laura Lieberman. Be prepared for the unexpected – protect your business and personal assets today!

Business Insurance: Do You Really Need It?