appealHave you ever found yourself in a situation where your health insurance isn’t covering what you expected it would? Sometimes mistakes are made, and just because your insurance carrier isn’t paying for something, doesn’t always mean that you will be left to foot the bill. There are steps that you can use to take action and to ensure that you receive the coverage you purchased. By filing an appeal or disputing a health insurance claim, you can hopefully change the outcome. Filing an appeal can sometimes feel like a daunting task and can seem like a hassle, but by following these tips, we hope to ease the process for you, so you know what to expect.

1. Read Your Policy

The most important thing that you can do when you are filing an appeal to a health insurance claim is read your policy. You should read your policy when you purchase it, then re-read from time to time so you are refreshed on the breakdown of your coverage. It’s also a good idea to review your policy before having any procedure. Doing so could help avoid a situation where you need to file an appeal. It’s also important to assemble all important paperwork, and keep an organized record of the details of your case (Who, what, when, where, why, how).

2. Try to Have a Main Contact at the Carrier

Having one contact can make the process easier for you. By doing this, you will not have to keep explaining your case to every person on the phone. Also, you may be able to build some rapport with your contact, which may inspire them to go above and beyond to help you.

3. Be Patient Approach in the Right Manner

Patience will be required whenever filing an appeal as the process can take some time. The insurance company will conduct extensive research to determine if your appeal is worthy. Going into the situation knowing that the process can take some time may help you with expectations. It’s also important to approach the situation in the right manner. In many situations in life, handling something in a positive, respectful manner can get you a lot further than having a negative attitude or having a chip on your shoulder.

4. Contact Doctors and Hospitals

Be prepared to contact doctors and hospitals, and do a little bit of investigating on your part. You may come to find that there was an issue with the provider and it was just a simple error.

5. Act fast

When filing an appeal, there may be a limited time that you have in order to file. Similar to a return policy when you buy at a retail store, you may only have a certain number of days to make an appeal.

Beware

If your claim appeal is with a network provider, by contract the insurer usually can only pay the network provider, not you. So if you pay the bill and are awaiting reimbursement, it can be complicated. Also, if you decide to not pay any bills and wait for the appeal process to finish, your credit may take a hit. Talk to your doctor or office that you are working with and let them know the situation. Try to keep them from sending your outstanding bills to collections.

If you have any more questions about what steps you should take when filing an appeal, please feel free to ask us or comment below! 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 common yacht crew insurance terms, read our previous blog, “Yacht Crew Insurance Terms 101.”

Filing an appeal can sometimes feel like a daunting task and can seem like a hassle, but by following these tips, we hope to ease the process for yacht crew so they know what to expect.

attendees

The Fort Lauderdale International Boat Show is here! Are you planning on attending this spectacular event? If so, there are things you need to prepare for and begin to consider in order to get the most out of the show; from dealing with crowds, to being comfortable, follow some of these tips that will help you have a great time!

Tickets


Tickets to the Fort Lauderdale International Boat Show can be a little pricey, price at the gate will be $27 for the day or $43 for the entire show (Friday-Monday). It should be noted that children 5 and under will get in free with a paid adult, and children who are 6-15 years old will be $12.

Plan Ahead

It’s common for people to get lost, and not know where places are located within the show. Do some research and think about any events you would like to attend, or things you would like to see. It may also be a good idea to create a budget for things you may want to buy, or event tickets you are looking to purchase.

Transportation

Since this is such a large event, attended by thousands of people, parking always seems to be a nightmare. Having to park in one location, then walk to another only to board a shuttle which will then take you to the show, doesn’t seem like an appealing process. And that is only if you are lucky enough to find a space! Also, if you decide to purchase a valet ticket, the price is $60. Consider other transportation options that will save you money, time, and most importantly a major headache. Now that Uber is back in Broward County, see what the going rate is to get you to the show, or you can try the Water Taxi.

Wardrobe

This show is HUGE! It will require a lot of walking, so proper footwear is crucial if you plan on staying all day. If you are planning on wearing high heels, you may want to reconsider. Also, a large portion of the show is outdoors, so you may want to pack some sun screen, a hat, and sun glasses.

Make Reservations

There are a people from all over the world in town for this weekend. Expect delays, traffic, and long wait times at local restaurants. It may be a good idea to call ahead and make reservations at any restaurants you are considering going to. Also, try calling ahead if you plan on going to any after parties in the area and see if reservations are required.

Don’t forget, the Fort Lauderdale International Boat Show starts today, November 5th and ends November 9th! For more information on what’s what to be aware of when at a boat show, read our previous blog, “5 Things to Be Aware of When at a Boat Show”. If you are interested in purchasing Yacht Crew Insurance, or would just like to talk to us for more information or advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. MHG has the Insurance Specialists to get you, your family, or group, the best coverage for your budget.

The Fort Lauderdale International Boat Show is here! Are you planning on attending this spectacular event?

boat show

The Fort Lauderdale International Boat Show is here which means one thing for exhibitors, BUSY! Overwhelming may be an understatement in terms of the amount of work that goes into having a successful show. If you find yourself stressing as the show approaches, take a deep breath, and follow some of these tips that may help simplify things and keep your eyes on the big picture; getting the most out of the show. Remember, boat shows can be a fun way to mingle and network with your peers in the yachting industry, those who are looking to get into the yachting industry, and let’s not forget those that go just to see all the boats. So have fun! 

Network!

 

Boat shows, or any similar types of events are a perfect time and opportunity to network with others in your profession. There aren’t many times during the year where almost an entire industry converges to one place, which is why it is important to take advantage of meeting people. Especially people that don’t work/live in your area. 

Time Management 

There is a lot going on all at once, and you only have a few days to cram in as much as you can. This makes it incredibly important for you to exercise time management in order to get the most out of the show. Create a schedule or agenda and keep track of any meetings or events that you are attending. This can help you see how much free time you will have, and if there is enough time in your schedule to attend other events. Also, this will help when it comes to manning the booth, by designating times that people must be present. 

Put Your Best Foot Forward

You only have one chance at a first impression. Having a clean and presentable booth can be the difference between someone stopping and talking to you, or someone that will just walk right on by. Just as important as your booth being presentable is your staff being presentable. They should be welcoming and engaged, not looking down at their cell phone the entire time. A good staff can be the difference of making a sale, and turning someone off. 

Utilize Social Media 

Since there is so much going on, any events you are hosting can get lost in the crowd. Post on social media where you will be located, pictures that may help people find your booth, and information regarding any events you would want people to attend.

Follow Up! 

The amount of people you can meet at a boat show is overwhelming. Collect business cards and contact information. Wait a week or two for people to return home and settle in and begin contacting them to follow up. It may be hard to remember everyone you meet, so don’t be offended if someone doesn’t remember meeting you. By following up you can remind them and begin to form a relationship.

Don’t forget, the Fort Lauderdale International Boat Show starts November 5th and ends November 9th! For more information on what’s what to be aware of when at a boat show, read our previous blog, “5 Things to Be Aware of When at a Boat Show”. If you are interested in purchasing Yacht Crew Insurance, or would just like to talk to us for more information or advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. MHG has the Insurance Specialists to get you, your family, or group, the best coverage for your budget.

How to Get the Most Out of the Boat Show if you’re an Exhibitor

yachtsIt’s no secret that one of the highlights of any boat show is getting to see some amazing yachts up close and personal. This is even more so at the Fort Lauderdale International Boat Show which takes place in the yachting capital of the world! While you may not be able to go on-board these vessels, getting to see them in person can give you a new appreciation of the size of these boats, and offer a new respect for the entire crew that it takes to keep everything running in check. Below is a list of the 6 largest yachts to look for when attending the Fort Lauderdale International Boat Show which takes place November 5th-9th, 2015. It should be noted that it is common for yachts to change plans at the last minute, so there is a possibility that some of these vessels may decide not to attend the boat show. Therefore this list may not be 100% accurate at the time of the show.


“Northern Star” 

“Northern Star” will be the largest superyacht at the show, and should be on every attendee’s list to see. She was built by Lurssen and is a whopping 247 feet long. See her at Sybass Slip 4, where she will be exhibited by Moran Yacht & Ship which is headquartered in Fort Lauderdale.

“Natita”

This 216 foot vessel was built by Oceanco in 2005 and refurbished in 2012. She is the Tri Deck model, and can accommodate up to 12 people. Her exhibitor is Worth Avenue Yachts which is located in Palm Beach, and will be located at Sails Marina Slip 1.

“Meridian” 

This mega-yacht was built in 2013 by Icon Ocean Going. “Meridian” is 205 feet, and can accommodate 16 people. The Exhibitor is YachtZoo LLC which is located in Fort Lauderdale, and will be located at Sails Marina Slip 3.

“Lady Lola”

“Lady Lola” was built by Oceanco and her exhibitor is Merle Wood & Assoc. who are headquartered in Fort Lauderdale. The location of this 205 foot yacht will be Hall of Fame North.

“Positive Carry”

Feadship is the builder of this 204 foot vessel. The location of “Positive Carry” will be Hall of Fame FD 22-26 and her exhibitor is Moran Yacht & Ship, which is located in Fort Lauderdale.

“Areti” 

This Trinity yacht was built in 2012 with the interior being done by the award-winning Patrick Knowles. She is a Semi Displacement model and her 197 feet can accommodate 12 people. The exhibitor is Burgess which is headquartered in New York, and will be located at Hall of Fame FD 4-6. 

Boat shows can often be a time where crew members to jump ship. Make sure that you maintain proper coverage through the process. Read our previous blog, “Yacht Crew Insurance Options While You are Between Jobs”, for guidance on what options may be best for you. 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, 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. Don’t forget, the Fort Lauderdale International Boat Show is almost here, see you there!

6 Yachts to Look for at the Fort Lauderdale International Boat Show

fort lauderdaleThe Fort Lauderdale International Boat Show is just a few weeks away, which means yachts and crew are beginning to arrive and set up for the show. There is a good chance that yacht crew may have some down time leading up to the show that should be spent exploring and discovering this beautiful area. Fort Lauderdale is the yacht capital of the world, however, this city and the surrounding areas have so much more to offer outside the yachting industry that you should be taking advantage of. 

 

Fishing

South Florida has some of the best fishing in the world. With plenty of different options from lakes, to the everglades, to deep sea, there is a setting for whatever kind of fishing you are in the mood for. 

Everglades

The unique natural habitat called the Everglades is a short drive from Fort Lauderdale. Since the Everglades can’t be found in any other part of the world, a trip to South Florida is not complete without an airboat ride through the “Sea of Grass”. There are endless opportunities for camping and seeing animals that you won’t see anywhere else in the world. 

Native American Reservations 

The Native Americans are a large part of the history of the United States, and in South Florida, there are 2 large Native American presences. The Seminole and Miccosukee tribes have reservations in the area that offer plenty of things to do. Watch alligator wrestling, learn about the culture, or you could even visit the Seminole Hard Hotel and Casino in Hollywood. 

Beaches 

South Florida is home to some of the most famous beaches in the world. South Beach, Ft. Lauderdale Beach, etc. are just a few of the places you can spend a day, or two, or three, relaxing and sticking your toes in the sand. There are bars, restaurants, and shops everywhere, it’s no wonder South Florida is such a popular tourist destination. 

Sawgrass Mills 

One of the largest shopping malls in the country, Sawgrass Mills is a must if you plan on doing any shopping while you’re town. With over 300 stores, you will have no problem finding something that you wouldn’t be able to find back home.

Downtown 

Downtown Fort Lauderdale is a very popular area, with tons of great spots to enjoy an afternoon, or a night on the town. Riverwalk, also known as the Fort Lauderdale Riverfront, consists of Las Olas Boulevard and Himmarshee Street. This area is home to some of the best bars and restaurants that Fort Lauderdale has to offer. 

Museums 

Fort Lauderdale is home to a few unique museums such as the Museum of Discovery and Science, Museum of Art Fort Lauderdale, and International Swimming Hall of Fame. The Museum of Discovery and Science is full of interactive exhibits and is also home to an IMAX theater that has a screen that is 5 stories tall! 

Broward Center for Performing Arts 

The Broward Center for Performing Arts is among the top 10 most visited theaters in the world, with over 700 performances every year. This beautiful theater sits on the New River and hosts world famous Broadway Plays, concerts, lectures, and plenty of other events. 

Historic Houses 

Fort Lauderdale is a very historic area, and has few historic houses that are definitely worth a visit. Learn the history of the Stranahan’s when visiting the Stranahan House which was built in 1901. Or visit the Bonnet House and walk through the beautiful grounds and gardens.

Jungle Queen 

The world famous Jungle Queen Riverboat has been in operation since 1935. Take a cruise along Fort Lauderdale’s New River and see some breathtaking sites. Witness what it is like to live like the rich and famous as you pass through “Millionaire’s Row” and other areas with charming waterfront mansions.

Yacht shows can offer a time for crew members to jump ship. Make sure that you maintain proper coverage through the process. Read our previous blog, “Yacht Crew Insurance Options While You are Between Jobs”, for guidance on what options may be best for you. 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, 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. Don’t forget, the Fort Lauderdale International Boat Show is almost here, see you there!

10 Things to do in Fort Lauderdale While in Town for FLIBS

Packing for Your Next Contract

It's no secret that those who work on cruise ships can be away for long periods of time. Contracts can last anywhere from a few months to almost a year. Being on a ship for that amount of time can be difficult to pack for. How are you to know what items you will need a month from now?  Here are some tips you should use to make packing for your next contract simpler and more efficient, after getting proper insurance of course!

 

  contract  

 

  MHG cruise employees Infographic

Packing for Your Next Contract

london The Isle of Man Maritime Group is hosting an evening reception during London International Shipping Week 2015 at historic Trinity House. LISW is one of the highlights of the maritime calendar with more than 100 industry events taking place in London from September 7-11. It is aimed at the movers and shakers from the international shipping and superyacht community. 

 

As official sponsors of LISW 2015, the Isle of Man Maritime Group’s “Nautical by Nature” event on September 8 will lead guests on a journey through the Island’s rich seafaring heritage to its current position of maritime centre of excellence.  Manx actors and musicians will bring to life the legacy of the Vikings; introduce the ringleaders of the Mutiny on the Bounty; remember the courage of Captain John Quilliam who was First Lieutenant on HMS Victory and set the scene for the inspiration of Sir William Hilary, who founded the RNLI

The music and drama will be showcased in the historic surroundings of Trinity House, the remarkable 18th Century headquarters of the Corporation of Trinity House, which has maintained British lighthouses since the 16th Century. Guests will be met by Isle of Man’s own sea cadets and guided up the grand, sweeping staircase to a reception on the first floor. All the rooms will be open to guests including the Pepys Room, the library and the reading room. 

Isle of Man Maritime Group Chairman, Bruce McGregor said: “LISW is the ideal opportunity for us to promote the wealth of maritime services and experience delivered on the Isle of Man. This event will celebrate our rich seafaring tradition and how we have evolved into a modern, technically astute global centre of excellence.” 

Guests at the reception will be able to meet representatives from the Isle of Man Maritime Group including the IOM Ship Registry; IOM Shipping Association; IOM Superyacht Forum KPMG; Bernhard Schulte Shipmanagement (Isle of Man); Döhle (IOM) Group of Companies; PDMS Maritime; Simcocks Advocates; MHG Insurance Brokers; Affinity Management Services and InterManager. To register for the event please visit the group’s website at www.iom-maritime.com or contact the group at enquiries@iom-maritime.com If you would like speak to someone from the group in more detail please contact Bruce McGregor on +44 (0) 1624 664000. 

LISW 

LISW will be the ‘must attend’ event of 2015, offering over 100 industry functions and unique networking opportunities for leaders across all sectors of the international shipping industry – regulators, charterers, ship owners, ship managers, bunker suppliers, lawyers, ship brokers, bankers, insurers, insurance brokers, commodity traders and brokers, ship suppliers, port operators, shipping service providers and many more. The UK is the leading centre worldwide for the supply of a broad range of professional and business services to the international maritime community, accounting for 21per cent of premiums in international marine insurance, over $64bn in committed ship finance (or 15per cent of the world loan book) and it has the largest concentration of legal service firms specialising in the sector.  London is also the predominant supplier of shipbroking services worldwide and is the major player when it comes to maritime dispute resolution. London is also home to the second biggest port in the UK. For more information, please visit www.londoninternationalshippingweek.com

The Isle of Man is "Nautical by Nature"

case studyHave you ever heard the saying, “You can learn the easy way, or 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.  

 

Scenario A

A client who takes a proactive approach to their health went in for their regularly scheduled ENG. During the screening portion of the physical, the doctor discovered a potentially harmful bacteria. Due to this client’s proactive nature of maintaining their health, the bacteria was caught before it had done any damage and they were able to have successful treatment with antibiotics. 

Scenario B

A client who doesn’t like to go to the doctor decided to skip their regularly scheduled ENG because the yacht they were on did not have it as a requirement. Several weeks later, they began experiencing stomach pains, nausea, and vomiting. They didn’t think much of the symptoms they were experiencing, attributing it to a stomach bug. A couple weeks went by and the symptoms continued to get worse. At this point, the client decided it was time to go to the hospital, where doctors discovered a developing stomach ulcer, caused by Helicobacter pylori. 

The Diagnosis 

Both clients had the same issue, an infection of Helicobacter pylori. Helicobacter pylori is a bacteria that can cause stomach ulcers as well as stomach cancer. Much like Herpes, it is present in many people, 85% of people to be exact, and can go an entire lifetime without causing any issues. Our client from Scenario A was able to notice the infection early enough and have it treated before any symptoms presented themselves. Our client form Scenario B had a different fate that may have been avoided if they had their regular physical exam. 

The Cure 

Going to the doctor can be a hassle, especially for a yacht crew member who may rarely be onshore to do so. However, getting your check-up is important to decide your overall health, as well as to detect any issues early enough so that something can be done proactively. Get a routine physical each year, even if your yacht doesn’t require you to do so. Otherwise it may be too late by the time you find out you are having an issue, even if you don’t have any symptoms. Having good medical insurance is crucial too because if any issues do arise, you may need costly medical treatment. 

For more information on some of the dangers you can experience while docked, read our previous blog, “The Dangers of Being 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.

Yacht Crew Case Study: Regular Screenings and Physicals Can Be Life Saving

leaving shoreCaptain: “Is everyone ready to set sail?” If you are a member of a yacht crew, hopefully you will never have to think twice about whether or not you are ready to leave shore. Don’t find yourself in a situation where you forget something, or aren’t fully prepared to be at sea for an extended period of time. Follow our list to assist you when preparing for the next time you leave shore.


1. Passport

It is important to confirm that your passport is valid before leaving shore. Not only does it have to be valid on the dates for which you are expected to visit another country, but in some cases there are countries that require your passport to be valid long after you are expected to be there. This may be because they want you to be prepared for the unexpected. For example, if you are stranded and must stay longer than originally expected, there will be no worries about whether your passport has expired. 

2. Immunizations & Local Health Hazards 

Make sure all of your immunizations and vaccines are up to date. While you may know where you are headed, it is common for yachts to make unexpected stops. So it is a good idea to be updated with the vaccines of the entire area you are going to. Also, research and prepare for any medical conditions, viruses, etc. that are prevalent in the area. For example, the Chikungunya Virus which is spread by mosquitoes is spreading throughout the Caribbean. If you will be in that area, be sure to heave plenty of mosquito repellent, and wear the necessary protective clothing. 

3. Locations

There is a chance that you will be heading to a place that you have never been to before. Do your research, and try to become familiar with the location. Learn any major roads or landmarks that can help you navigate the area. Know where medical facilities are located. Also, your guests may ask you for some assistance with directions, or advice on any activities and excursions that the location has to offer. 

4. Emergencies 

Familiarizing yourself with the emergency procedures of certain situations is always a good idea before leaving shore. Even more so if this is your first trip, or have recently switched vessels. Different yachts can have different procedures and rules, so prepare yourself for any unexpected issues that may arise. 

5. Insurance 

Even though this is the last thing on our list, it is the most important! Having the right health insurance coverage is critical when abroad. Anything can happen no matter where you are in the world, so having the proper coverage can be the difference between financial peace of mind, and financial disaster. There are many yacht owners who have the entire crew under one plan, however if you are required to find your own insurance, don’t hesitate to give us a call! 

Having proper insurance is important whether you are at sea, or docked at a shipyard. For more information on some of the dangers you can experience while docked, read our previous blog, “The Dangers of Being 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, 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.  

5 Things for Yacht Crew to Complete Before Leaving Shore

maritime workersNobody wants to think about getting injured on the job, especially if that injury will keep you from being able to work. However, if you work in the maritime industry, there is a good chance that you may not have to worry about what will happen if you do experience an injury. Thanks to the United States Longshore and Harbor Workers’ Compensation Act (LHWCA also known as USL&H), those who work in the maritime industry and fall into certain categories, will have coverage backed by the federal government, not just the state. Having a peace of mind when it comes to coverage can help rid your life of the question, “What’s going to happen to me if I’m injured at work?” 

 

The Mission 

There is one mission when it comes to the Longshore and Harbor Workers’ Compensation Act, to assure the coverage and minimize the impact of injuries and death for employees and their families. This is done by ensuring that workers’ compensation benefits are provided under law. 

The Details 

The Longshore and Harbor Workers’ Compensation Act provides workers’ compensation for anyone working in a marina or on the water. It protects you from injury and occupational disease while on the job. Benefits are only available to those maritime employees who meet certain criteria known as a “Status” and “Situs” test. 

Status Test- The Status Test has to do with the work that is performed by the employee. Basically the test decides whether you are performing “maritime” work. This is important because in order to be eligible for benefits under the act, it must be determined that employees are performing “maritime” work for the employer. 

Situs Test- The Situs Test has to do with the location that the employee has performed the work. After determining whether a worker is a maritime employee, they then have to determine if the work was performed on, near, or adjacent to navigable water. 

The Benefits 

The Longshore and Harbor Workers’ Compensation Act gives employees to the power to file claims for injuries that happen while at the workplace. Much of workers’ comp is through state legislation, however being that this one is administered federally, you can have the option to use both your state’s system as well as the federal system, just not at the same time. The Federal Process is a lengthy one, but it’s good to know the coverage is there for when the employees need it. The state coverage can provide benefits while the federal reviews the benefits available under the USL&H laws. For those that are content with receiving benefits from the state, you should know that state workers’ comp benefits are 60% of wages, while the Longshore Act is 2/3 of your wages. Workers’ compensation insurance should be a top priority for all businesses. 

If you would like more information on workers’ comp or the LHWCA, or are interested in purchasing a workers’ comp policy, or any other form of business insurance, or group health insurance for your employees, please contact us at 954-828-1819 or visit us online at mhginsurance.com. Our insurance specialists have the knowledge and experience to cover your company’s risks appropriately. For more information on marine general liability, read our previous blog, “Why Do I Need Marine General Liability? I Have Commercial General Liability. Isn't That Enough?

Explaining the United States Longshore and Harbor Workers’ Compensation Act