Marine expertise, industry knowledge, and personal service

The cruise industry is a part of MHG’s foundation. It's where our focus began over 30 years ago, and our passion for providing innovative insurance solutions continues to shine through. Today, MHG offers health, liability, and casualty coverage to various groups working onboard and shoreside in support of the industry.

Scroll down to learn more about our insurance expertise in the cruise industry and how we can help your group or company.

Cruise ship officers and crew

Crewing remains a challenge throughout the cruise industry. Experienced officers and crew are in high demand, making it more important than ever for employers to provide incentives to stand out. While many still rely heavily on P&I coverage to address crew medical issues, cruise operators in the market for the industry's best crew need to take another look at their benefits package. Employers that can tailor their benefits to target, attract, and retain top talent have a valuable advantage over the competition.

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Office-based staff

Your employees are your greatest asset, and in this hiring environment, there’s no room for complacency. If you want to be an employer of choice, now is the time to create a culture where workers feel valued and included and receive competitive wages and comprehensive health benefits. Let us help you create an employee benefits strategy that helps you stand out from the crowded job marketplace while meeting your budget requirements.

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Ship repairers

At MHG, we have specialized marine insurance expertise and the right insurance solutions to protect your company before your team sets out on its next job. Whether your company performs work while docked in a shipyard or at sea, you may need various liability insurance policies to protect your employees and business. Coverage can include marine general liability, marine employer’s liability, USL&H, and bumbershoot. Each of these policies offers different types of coverage. Marine general liability covers accidents and property damage while in the insured’s care, custody, and control. Marine employer’s liability and USL&H both address employer responsibilities in maritime work environments, and bumbershoot policies are available for businesses wanting higher limits for an additional layer of liability protection. Policies are ideally suited for a range of work, including welders, carpenters, and painters, among many others.

Concessionaires

Working onboard cruise ships requires special medical insurance. Our team will ensure you have the right coverage to satisfy contractual obligations and protect your employees and contractors while they’re working at sea or spending time ashore while in port. These policies are employer-sponsored and offer medical insurance to concessionaire groups who are not direct cruise line employees but work onboard ships in various areas such as spas, gift ships, casinos, medical support, and photography.

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Guest entertainers

Whether you’re a cruise line contracting guest entertainers to perform onboard or the entertainment company supplying the talent, you need to make sure the necessary insurance requirements are met. To meet contractual agreements, most guest entertainers are required to carry insurance coverage before joining the ship. MHG makes this process easy and has options for most situations.

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Tour operators

Whether you operate a zip-lining company in Belize or a dolphin encounter in the Bahamas, you need to carry the appropriate insurance to protect your business and partner with the cruise lines. Shore excursion insurance helps to protect your company financially should a guest suffer an accident while participating in your activity. This umbrella-style policy bridges the gap between your local liability coverage and the coverage required by the cruise lines. It is a multi-line liability insurance program, which can include contingent commercial general liability, contingent watercraft liability, and contingent auto liability.

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