635876724Let’s face it, businesses measure their success on their bottom-line. Many make decisions based on becoming more profitable either immediately, or increasing profits in the future. Tasks such as reducing costs, marketing strategies to sell more products or services, or growing their business into new locations, are all tasks that are linked to increasing the profits of a business. It can be difficult for a business to afford all the benefits it would like to provide for its employees. Especially new businesses who are trying to create a budget for all their expenses as they grow their employee base. Use these tips to help find affordable health insurance benefit solutions for your workforce.

HMOs

There seems to be a stigma attached to HMOs (Health Maintenance Organizations) that makes them seem unfavorable to a lot of people. I’m sure it must do with the fact that it may cause some extra work if you are needing to see a specialist, as you would have to get a referral from your primary physician first, however, that usually isn’t the case anymore. Most HMOs are “open access,” which mean you can go directly to a specialist without a referral. The best part is, HMOs will typically be more cost effective providing your employees are in network areas which are normally larger than past years. Cost savings can be significant for your business. So if you’re looking for more affordable healthcare benefits for your employees, start with looking into an HMO.

GAP Insurance

A well-known philosophy of a successful business is to keep your employees feeling “taken care of.” One way to protect them from falling into a financial black hole is by offering a high deductible plan, along with a gap insurance plan. Combining those two plans would give your employees the coverage they need, with less out of pocket. In most cases this will save the business money compared to a plan that has a low deductible.

50%

Many businesses want to offer their employees as many benefits as they can in order to help attract and retain good workers. Sometimes it just isn’t in the budget to offer all of the benefits that you would like to. Remember that you are only obligated to pay 50% of your employee’s health insurance premiums on the lowest health plan offered, and 0% of their dependents.

HSA

Offering an HSA (Health Savings Account) may not be your first choice of healthcare benefits you want to offer your employees, but it can save you money. It also may give your employees some tax advantages.

Small Groups

Some small businesses don’t know that they may be eligible for a “tax credit” for offering their workforce health insurance benefits. If you have a group that is below 50 people, contact us by calling the number below to see if you qualify!

Review Periodically

In today’s insurance market, plans are changing all the time. Whether the carriers are adding new plans, or eliminating old ones, it is crucial that you review your plan periodically to assure that you are still paying a competitive price.

MHG Insurance Brokers offer many different insurance solutions for many areas of business. If you are interested in purchasing a disability plan, health insurance, or life insurance, contact us at mhginsurance.com or call us at +1 954 828 1819. Our insurance specialists have the knowledge and experience to assist and guide you to the best coverage for your budget.

Let’s face it, businesses measure their success on their bottom-line. Use these tips to help find affordable health insurance benefit solutions for your workforce.

mgl claimNo matter what type of business you have, every business has unique needs when it comes to liability protection. Especially if your business is conducted near or on the water, such as marinas and shipyards. Marine general liability coverage is necessary for businesses of this nature. There are some businesses who aren’t aware of the difference between marine general liability and commercial general liability. One difference is that commercial general liability policies often include an exclusion for work done on or near water. This is important because if the incorrect policy is purchased, there may be no coverage at the time of a claim. Claims typically happen when you least expect them. The following are three common marine general liability claims. 

Slip and Falls 

We are all familiar with slip and fall accidents. Businesses on or near the water can create more opportunities for wet floors, or other areas of moisture. It is important to have proper signage around your property/building giving warnings of “slippery when wet.” Installing non-skid flooring is another way to help prevent a slip and fall claim. Keep in mind that slip and falls can happen whether there are wet floors or not. No matter how much precaution you take, you still need proper insurance coverage in case of a claim.

Damage to Someone Else’s Property

Just as damages and mishaps can happen on your property, they can happen on others’ property as well. If your business involves employees doing work at a marina, shipyard or private dock, you may be held liable for damage caused by your employee. Properly train your employees, and provide safety procedures that employees are required to follow at every location. Marine contractors that do work involving welding are especially vulnerable to this type of claim.

Pollution Liability

Work done on or near the water involving boats has an inherent risk of a pollution loss. There are state and federal regulations involving pollution both from gasoline and oil. Both substances are used daily in many marine operations. It is very important that the policy include coverage for Sudden and Accidental Pollution Liability. A marine contractor can be subject to stiff fines and penalties for polluting a body of water.

Having the proper insurance coverage is crucial for the success of any business, and every business needs coverage specific for its characteristics. For more information on marine general liability, read our previous blog, “Marine General Liability vs. General Liability.” If you have any more questions, would like further explanation, want to change your general liability policy to a marine general liability policy, or are interested in any other form of business insurance, please contact us by calling 954-828-1819 or visiting mhginsurance.com. We look forward to assisting you with all of your insurance needs.

Claims typically happen when you least expect them. The following are three common marine general liability claims.

518026300Shipyard owners are concerned with protecting their businesses from exposure to financial damage, especially in the form of lawsuits and liability issues. As part of their ongoing efforts to insulate their businesses from harm, these conscientious proprietors are checking to make sure that the firms they do business with meet all insurance coverage requirements. If your maritime business lacks the necessary USL&H coverage, you could find yourself facing the harshest of penalties – including the loss of valuable contracts, the imposition of stiff fines, and even actual jail time!

Does your business have the USL&H coverage it needs? Find out by perusing this handy guide on the key facts of Maritime Workers Compensation coverage:

USL&H Is a Requirement to Work on Board Vessels 65' or Greater in Length or at a Dock, Port, or Shipyard

USL&H, which refers to the Longshore and Harbor Workers’ Compensation Act, was enacted to provide compensation to employees in the event of their injury or death while performing maritime work on board a vessel or at a dock, port, or shipyard on navigable waters of the United States. USL&H is federally mandated, which means companies that fail to obtain Maritime Workers Compensation coverage as required are subject to stiff penalties that can include fines of up to $10,000 and incarceration in prison for a year. Even more seriously, uninsured employers and company officers may also be held personally and severally liable for compensation and any other benefits that may accrue to an injured employee.

USL&H Is Workers' Comp Coverage for Contractors Working on/with Vessels

USL&H coverage provides benefits similar to Workers' Compensation to contractors performing any maritime work on or with vessels on navigable waters of the United States. Accidental injuries, occupational diseases, and death arising from the employee's employment are covered by Workers' Comp; similar benefits accrue to maritime employees under USL&H coverage. Even contractors’ employees who have "incidental USL&H" exposure, such as electricians, heating and AC contractors, flooring installers, and other personnel performing repairs on equipment located on a boat, are covered under Maritime Workers Compensation if they suffer any damage while performing their duties.

Shipyards Can Require USL&H Coverage for Even a Single Employee

While USL&H benefits are similar to benefits provided by Workers’ Compensation Insurance, the rules are far more stringent. Workers’ Comp is only required for businesses with four or more employees in Florida, other states may vary, including owners unless they are exempt. Contractors that fall under USL&H guidelines, however, need to provide coverage even if only one employee at their company will be performing qualifying work.

Carrying Inadequate Marine Insurance Coverage Can Be Costly

In addition to Maritime Workers Compensation benefits, MHG Insurance Brokers also provide marine general liability insurance, which protects you in the case of liability or property damages to a third party while engaged in marine related operations. Marine general liability insurance is an absolute necessity for any business providing repair or other services on vessels, as even seemingly minor damage to a boat can prove to be expensive. Now that you know the relevant details about USL&H – shipyards are checking if you have it, Federal law requires you to carry it, and there are stiff penalties for companies that do not have it - the experienced Insurance Specialists at MHG Insurance Brokers can help you obtain the USL&H policy that best suits your needs.

At MHG, we understand the unique environmental conditions of working on the sea, as well as the accompanying challenges. We strive to help marine companies find the best, most affordable marine insurance plans to suit each and every employee.

To learn more about USL&H coverage, marine general liability insurance, and other marine insurance plans, call MHG Insurance Brokers at +1 954 828 1819 or visit us online at mhginsurance.com

Does your business have the USL&H coverage it needs? Find out by perusing this handy guide on the key facts of Maritime Workers Compensation coverage:

downloadThe Isle of Man Maritime Group is delighted to announce that Döhle Yachts, Appleby and the Department of Economic Development (DED) are the latest group participants in the prestigious networking reception at Tower Bridge during London International Shipping Week 2017.

The Isle of Man Maritime Group is an entrepreneurial group of Isle of Man based organisations in the maritime sector who work closely together to help champion the Isle of Man as a leading international maritime services centre of excellence.

London International Shipping Week (LISW - www.londoninternationalshippingweek.com) is a must attend bi-annual event in the maritime calendar. It attracts business leaders from around the globe and from all sectors of international shipping industry.

The Group’s reception will showcase the strength of the Manx maritime cluster and the range of services which their IOM members provide. Always 'daring to be different', this time the reception will take place at the iconic Tower Bridge. This is one of London’s most internationally recognisable landmarks with stunning views over the River Thames. It will be an immense attraction to business leaders who come far and wide to attend the week-long festival.

There are now ten Isle of Man based maritime organisations participating in the Group’s event. In addition to Appleby, Döhle Yachts and the DED, the Isle of Man Ship Registry, KPMG, InterManager, MHG Insurance, Bernhard Schulte Ship Management and PDMS Registry & Regulatory Solutions are all taking part.

Commenting on the development, Isle of Man Maritime Group Chairman and PDMS Director, Bruce McGregor stated: “The maritime sector is a significant and important part of the Island’s economy, making our high profile events, which champion the sector beyond our shores, exceptionally beneficial, not just for the Island as a whole but for the individual organisations who are involved.

With the maritime sector renowned for being a dynamic and close knit community, the intangible value and impact of building close relationships with senior international contacts through this kind of event simply cannot be underestimated. At a time when people are coming to London, from all around the globe, for this conference to understand key international pressures, including the impact of Brexit on shipping, this has never been more important.

So it is really fantastic news that Döhle Yachts, Appleby and the DED are now the latest participants in the reception, bringing the total sponsors to ten. With the involvement of all these members and the exceptional location, this is sure to be our best event yet – and likely one of the highlights of the entire LISW week!”

Get involved!

Expected to attract between 150-180 luminaries from the international maritime community, as well as from London itself, the event takes place from 19:00-22:00, Wednesday 13th September 2017.

If you would like to find out more or express an interest in participating as a hosting organisation, you can do so by calling Bruce or Cameron on 01624 664000. Alternatively, please email enquiries@iom-maritime.com or visit www.iom-maritime.com/contact-us.

The Isle of Man Maritime Group is delighted to announce that Döhle Yachts, Appleby and the Department of Economic Development (DED) are the latest group participants in the prestigious networking reception at Tower Bridge during London International Shipping Week 2017.

529081140Summer time is here, which means one thing for a lot of families, road trip! There are few better cross-country road trips in the United States than the world-famous Route 66. How many other roads do you know of that inspired songs and television shows? Often referred to as the “Main Street of America”, Route 66 was one of the original highway systems of the U.S. and a major path for those who migrated west. Constructed in 1926, U.S. Route 66 spans over 2,400 miles along across the heartland of America, crossing over 9 states in total, starting in Chicago, Illinois and ending in Santa Monica, California. While it was shut down in 1985, much of it remains to be driven via “Historic Route 66”, serving as the perfect route for an All-American road trip! So here are some destinations that you should consider stopping at along the way in each state.

Illinois

The Route 66 Arcade Museum is a must stop for anyone who has ever played a video game. It is home to many of the classic video games that people grew up playing in arcades, and features games from 1935 to 1980. Oh, and did I mention that many of these games are waiting to be played?!

Missouri

The Fantastic Caverns are one of the many natural marvels along Route 66. They were discovered by a farmer’s dog in 1862, and were further explored 5 years later by 12 women from Springfield. Today it is a great stop for the family along Route 66. Take a tram tour through the caves and see all the natural features that these caves have to offer. It is also a nice relaxing attraction that can help break up a road trip.

Kansas

Cars on the Route is an old school Kan-O-Tex gas station that has since been restored. It is a perfect place to stop for a snack and a photo opportunity. The kids will also love this place as they also have a few cars such as a tow truck and a fire engine dressed up like characters from the movie “Cars”!

Oklahoma

Ever watch the hit TV show Diners, Drive-ins and Dives? Then you will want to stop at this next place along Route 66 as it has been featured on the show! Rock Café is a great place to stop in for a meal while you are road tripping. They pride themselves on using the original grill from when they opened in 1939! Stop in for some All-American cuisine.

Texas

Texas is home to the midpoint of Route 66, and of course there is a place to commemorate crossing the midpoint. MidPoint Café is another great place to stop in for a meal and are the home of the famous MidPoint “Ugly” Pies! There are also great photo opportunities to add to your scrap book or photo album.

New Mexico

New Mexico is home to one of the more famous stops along Route 66, the Blue Hole. Located in Santa Rosa (also known as the “City of Natural Lakes”) this area is full of pristine bodies of water that are bright blue. The most famous is the Blue Hole! The Blue Hole is an 80-foot-deep artesian spring fed from an underwater aquifer. Visitors come from all around the world to take a dip, and you will want to stop here to refresh yourself for the home stretch of the road trip!

Arizona

When in Arizona, take a night to stay in the Wigwam Village! Staying at the Wigwam Village will take you back to the times when Route 66 was in it’s prime, and it is an iconic part of the Main Street of America. Wigwam Village. I mean where else can you spend the night in a giant concrete teepee?

California

Finally, you have made it to California, the last state along Route 66, and what better place to see then the world-famous Santa Monica Pier. There are restaurants, shopping, and an amusement park, all along the Pacific Ocean. Also enjoy live entertainment as there are always some kind of street performers from musicians to artists. Considering you were in America’s heartland when starting this trip, seeing the ocean shows you have far you have come. Before you decide to pack up, be sure to experience one on the best sunsets you will see along California’s coast.

For more help regarding working out while traveling, read our previous blog, “10 Different Workouts You Can Do in Your Hotel Room”. 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. It is important to have proper travel insurance coverage in case of an unexpected emergency while traveling abroad. Our insurance brokers have the experience to assist you in selecting the right plan for you, with the best value.

Ready for an All-American road trip? Check out these stops along Route 66!

Auditor Looking At DocumentWorkers’ Compensation, also known as Workers’ Comp, is usually one of the largest expenses for businesses. Since it is something that employers invest so much money into, it’s always a good idea to be prepared for your next audit, and make sure all of your ducks are in a row. The reason an audit is performed is to determine your Workers’ Compensation Insurance premium. Considering the outcome of the audit can result in drastic changes to your premium, you may want to follow these tips on how to prepare your business.

1. Gather all necessary records
To prepare for an audit, you will need to have all paperwork and documents ready and organized before the auditor arrives. They will most likely be looking for payroll records, federal tax reports, unemployment records, individual overtime payments, detailed job descriptions, and use of contractors and subcontractors along with certificates of insurance.

2. Make accurate payroll projections, and keep track throughout the policy year
When making payroll projections, you should try your best to be as calculated as you can be, especially if there are any class codes that apply to your operation. It’s also a good idea to monitor your projections during the policy year in order to know where you stand when the next audit comes around. To make it easy, set up quarterly reviews to compare your projections with your actual payroll.

3. Understand the breakdown of certain payrolls
Not all payrolls are the same. For example, if you employ a marine worker who spends half of their worktime on the water, that time will need to be kept separate from the time in the office because it is considered more risky. The same example can be used for a truck driver who splits time between an office, and on the road. Be sure to file the different payroll tasks by different job descriptions. Also, be sure to list overtime individually, because there is a good chance that overtime may have a discounted premium.

4. Check for certificates of insurance for any contractors or subcontractors
You will be required to show proof that any contractors or subcontractors that you hired had their own Workers’ Compensation Insurance, and were not covered by your company. It is also important to make sure all the dates are aligned for the time they worked for you. Without proper documentation, your company could be charged the premium for the contractor during the time you used them.

5. Be involved with the process
Don’t let them leave without reviewing their work and becoming aware of the impact that the audit could have on your business. Also, make sure you have looked over the worksheet the auditor will ask you to sign, and make sure to keep a copy for your records. If the worksheet has yet to be completed, don’t sign it! This helps keep all surprises down to a minimum.

Points to keep in mind

Dealing with an auditor may not be the friendliest experience. Don’t expect to make friends and go out for drinks after, they are only there to look at your payroll, get the figures they need, and leave. Also, it is good for you to know that most of the time, your insurance agent or broker isn’t involved in an audit unless there is a problem. If you don’t hear from us, don’t worry, we haven’t forgotten about you! The auditor will contact you at the end of your period whether you have renewed or not, and at that time, it is a good idea to keep your agent in the loop of the situation.

Workers’ Compensation Insurance should be a top priority for all businesses. If you would like more information on Risk Management, read our previous blog, “Risk Management: What you Need to Know About Your Insurance Policies”. If you have any questions, or are interested in purchasing Workers’ Compensation Insurance, other types 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.

Considering the outcome of the audit can result in drastic changes to your workers' comp premium, you may want to follow these tips on how to prepare your business.

NADIA2FORT LAUDERDALE, FLORIDA (June 7, 2017) – MHG Insurance Brokers announced today that Nadia Bedasse-Francis has joined the company’s U.S. Life & Health Division. Bedasse-Francis will provide administrative support for the division’s group clients in addition to further developing relationships in the local business community.

Prior to joining MHG, Bedasse-Francis held various positions in human resources, administration and insurance, most notably as an Independent Agent where she specialized in individual insurance products. Most recently, Bedasse-Francis worked as a call center supervisor for a national insurance company and was responsible for training and coaching agents.

“We’re fortunate to have found an experienced and qualified candidate so quickly for the Account Executive position” said Edward “Mole” Telfer, MHG’s Cruise Division Director. “Nadia’s background, service-minded spirit and outgoing personality make her a great fit for the division and I’m very happy to welcome her to the company.”

MHG Insurance Brokers has been providing insurance guidance and solutions since 1991. The company has established an unrivalled reputation for providing quality insurance products that meet clients’ coverage requirements and budget.

About MHG Insurance Brokers

Established in 1991 in Miami, Florida, MHG Insurance Brokers is an independent, global, full service insurance brokerage and consultative facility. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, risk mitigation programs, property and casualty insurance and financial services all supported by comprehensive attention to service support for all of our clients. In the marine community, MHG is well known for its expertise in the Maritime Labour Convention (MLC 2006) and developing MLC-aligned crew insurance solutions. In the U.S., MHG provides group and individual employee benefits along with advice on federal regulations regarding the Affordable Care Act. For more information about MHG Insurance Brokers and the services we provide, please visit mhginsurance.com

MHG Insurance Brokers announced today that Nadia Bedasse-Francis has joined the company’s U.S. Life & Health Division.

KEVIN KNORR 1It takes a special group of people to make insurance fun, which is why you should get to know us!

MHG Insurance Brokers has been serving the marine industry, businesses, and groups and individuals around the world since 1991. A lot goes into a business lasting more than 25 years. Even more goes into a business experiencing success and continuing to grow during that time. While much of it can be attributed to a company’s philosophy, structure, and culture, a business is nothing without the people who execute that philosophy and help create a one of a kind culture. Being in business for over 25 years is no small feat, and much of what is responsible for a business’s success are its people!

Here at MHG, we are an extremely diverse bunch. Many of us are from various countries, involved in several community organizations, and from different career backgrounds. Get to know us as we do some reflecting, and give insight to the history of MHG and its employees.

So, let’s get to know the Director of our IT Division, Kevin Knorr!

Before MHG

Kevin grew up in Philadelphia Pennsylvania where he attended a technical college and pursued a degree in Electrical Technology. In high school, he worked for the Rose Tree Summer Festival which was his summer job. After graduating from trade school, he got a full-time job working as an electrician for the Parks Department of Delaware County, where he also held a summer job while in high school working on the Rose Tree Summer Festival. Later he worked for Wescott Electrical as a Project and Purchasing Manager. After gaining some experience, Kevin started his own telecommunications equipment company that he sold within five years of founding it! After selling his company, Kevin was the IT Director for a leading provider of software solutions and services. Kevin moved from Pennsylvania to South Florida in 2006.

MHG Timeline

Kevin joined MHG in 2006 after almost two decades of valuable IT and Telecommunications experience. He was hired as the IT Director and still holds that position today. In this role, he oversees all IT Operations for all MHG offices worldwide.

Community

Kevin is thoroughly involved in the community, as he has held several positions within the city he currently resides in. He is currently the Vice President for the Wilton Manors Development Alliance, which is a nonprofit organization dedicated to the development of Wilton Manors. He also serves as a Board Member on the Wilton Manors Entertainment Group, which is a nonprofit dedicated to entertainment and events within Wilton Manors. He has also been involved with the Community Affairs Advisory Board, which provides a vehicle to maintain a high quality of life through greater citizen participation by providing a conduit for cooperation.

To hear some insurance advice from some of our employees, read our previous blog, “If You Could Give One Piece of Advice to Your Clients, What Would it be?” MHG is here to help and provide assistance with all your insurance needs. Whether you are looking for marine crew insurance, health insurance, life insurance, travel insurance, expatriate insurance or insurance for your business, we have the experience and knowledge to help you find the right policy. To learn some of the benefits of using an insurance broker, click here! Please contact us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Let our insurance specialists find you, your family, or group, the best insurance available for your budget.

It takes a special group of people to make insurance fun, which is why you should get to know us!

iomsfThe Isle of Man SuperYacht Forum will host a special presentation and panel discussion on some of the hottest and most current topics in the superyacht industry next month.

In addition to updating the audience on the latest developments in the Forum's activities and services, the event will feature a preview presentation on the new Red Ensign Code, an amalgamation of the existing Large Yacht Code and the Passenger Yacht Code, which is due to be officially launched at the Monaco Yacht Show; and the Isle of Man Ship Registry will also present its new "Pleasure Yacht Plus" service.

However, the real "hot topics" will be deliberated during an in-depth panel discussion on what happens when a superyacht has a crisis to resolve.

Using a number of case histories, a panel of industry specialists will cover topics such as fires, tender accidents, terrorist incidents, grounding, oil spillage, crew and passenger issues.

The event Chairman and Moderator will be Martin Redmayne, Editor-in-Chief of The Superyacht Group, who will lead the panel’s discussions on how to manage a superyacht in crisis, including: who is responsible; the chain of command; liaison with captains, owner's representative, brokers, insurance and legal representatives; flag state; security; salvage and press issues. The debate will then be opened to the audience for Q&As.

Commenting on the forthcoming event, Chairman of the Forum, Andy Roy said: "The Isle of Man SuperYacht Forum has held several presentations and receptions over the years, in London and Monaco. This event is very different to those that we have hosted previously. We will be discussing several highly-topical issues relevant to the industry today and we are looking forward to welcoming delegates to an event which will be both interesting and highly informative."

The event is being held at the Mermaid Theatre, Blackfriars in London on 29 June 2017, from 3:00pm and will be followed by a networking cocktail reception sponsored by the Shipowners’ Club.

Places, which are strictly limited, may be booked by emailing: pr@iomsf.im.

-END-


Notes to Editor:

About the Isle of Man Superyacht Forum

The Isle of Man Superyacht Forum was founded in 2004 to promote the services of companies based on the Island to the yachting sector.

For many years, the Isle of Man has been both recognised and respected as a jurisdiction for ship management. Since the adoption of the Large Yacht Code in 2003, the Island has become a centre of excellence for the registration, management and administration of Superyachts and many of today’s industry standards and recognised best practices were initiated and implemented by members of the Forum, who currently have more than 30 members providing the highest level of service to one of the most demanding industries in the world.

For more information about the Isle of Man Superyacht Forum visit www.iomsf.im or contact:

Contact Details:

Lesley-Anne Johnston

PR & Marketing, The Isle of Man Superyacht Forum

Tel: +44 1624 651714

pr@iomsf.im

The Isle of Man SuperYacht Forum will host a special presentation and panel discussion on some of the hottest and most current topics in the superyacht industry next month.

538602500Summer is right around the corner! Which means many of you have been hitting the gym and eating healthy to get the perfect summer body. But being healthy and having a summer body are not one in the same. As an insurance broker, we want to promote wellness and wellbeing amongst people. So, what better time to start following some healthy living tips than the summer time. The weather is nice and warm, people are outside and active, so let’s take it to the next step and create some positive lifestyle changes that will only benefit us. After all, the experts say if you do something every day for 30 days it will become a habit.

Eat Right!

The summer time is the best time for fresh produce. While fruits and vegetables all have a season, the summer offers an abundance of choices for you to eat fresh food. Visit your local farmer’s market, or even go pick your own fruit and vegetables if you can. Try to limit foods and drinks high in calories, sugar, salt, fat, and alcohol.

Be Active!

Eating right and staying active are two of the most important things one can do to maintain a healthy lifestyle. Try to be active for at least one hour a day. Include activities that raise your breathing and heart rates and that strengthen your muscles and bones. Go outside and go for walks after dinner, take the kids to the park, join a sports league, go to the beach or pool and go for a swim; these are just a few of the many activities you can do to help stay active during the summer. Physical activity helps to maintain your weight, reduces high blood pressure, heart attack, stroke, and several forms of cancer. Arthritis pain, depression and anxiety symptoms are also reduced by physical activity

Hydrate!

Did you know that you should drink about a gallon of water per day? Drinking enough water will benefit you in more ways than one. While the temperatures are hotter, staying hydrated is important. Drinking your fluids will also help your skin, increase brain activity, and also help you lose weight!

Get Away!

Who doesn’t love to go on a summer vacation? Remember to balance work, home, and play. Everyone needs a break from time to time, and with the kids being out of school, the summer is a perfect time for a family getaway. However, it is important to also disconnect. Just because you go on a trip doesn’t mean it will do you any good if you aren’t properly disconnected.

Protect Yourself!

When out enjoying the summer days, remember to wear sunscreen and insect repellent. Try to stay in the shade if you can. While catching some rays is good for you, only in moderation. Also, protect yourself and your family from injuries with seat belts, helmets, and protective sports equipment when partaking in outdoor activities.

Sleep!

Adults should be getting 7-9 hours of sleep every night, and children even more. I know we have all heard the saying “I’ll sleep when I’m dead” or “I’ll catch up on sleep on the weekend”, but those couldn’t be further from the truth. You can’t catch up on sleep, and without proper rest, your body will respond accordingly.

Schedule and Appointment!

Stay on top of your health and remember to schedule regular checkups for you and your family with your doctors. Discuss your health problems and risks and devise a plan for improvement. Find out what exams, tests, and shots you need and when to get them. Don’t forget about visiting the dentist too! Keeping your teeth in good shape is another good way to keep certain health problems from arising.

A little prevention goes a long way to help ensure a long and healthy life. Check with your broker to see if your health benefits plan covers for those regular checkups, tests, and shots. It is important that you know your coverage before you need it. Whether you are looking for marine crew insurance, health insurance, life insurance, travel insurance, expatriate insurance or insurance for your business, we have the experience and knowledge to help you find the right policy. Contact us at mhginsurance.com or call us at +1 954 828 1819.

What better time to start following some healthy living tips than the summer time.