Ship and yacht repairers play a crucial role in keeping the marine industry running smoothly. Their expertise and hard work ensure vessels remain in top condition. Given the risks they face daily, it is crucial for them to have the appropriate insurance protection. Conor Hayes, Sales Director at MHG Insurance and a specialist in marine liability coverage, joins us for a Q&A session dedicated entirely to the unique insurance needs of ship and yacht repairers.

With over 20 years of experience, Conor has held senior brokerage roles in London, the Cayman Islands, and South Florida. Conor helps businesses navigate complex insurance challenges with confidence, ensuring they have the right coverage to protect their operations and assets.

Let’s get started!

Q: With your extensive industry experience, how have liability insurance requirements for repairers evolved over the years?

Matching the changes in the industry, the risks assumed by repairers have become more extensive and more complex.

Q: How have liability risks for ship and yacht repairers changed over the past decade?

As marine technology has evolved, the work itself, of many classes of ship repairers , has become more sophisticated, more complex, thereby increasing the need for qualified crew and a heightened need for training.

Increasing complexity often leads to increased probability of error. More stringent contractual requirements imposed upon repairers in their agreements with vessel owners and managers have shifted risk of loss to repairers.

With this in mind, it’s important to keep close contact with your insurance provider, who can also guide you in understanding what your policy covers, and what is not covered.

Q: What emerging risks should repairers be aware of in today’s marine industry?

Again, it is the increasing complexity and sometimes conflicting demands of the ship owners that create almost an impasse for the companies that are being hired to repair the vessels. For example, many cruise lines tend to issue a rather generic list of insurance requirements that are not always applicable to the operations of the vendor that is applying to do the work. We often see requests to carry domestic Workers Compensation and Commercial Auto Liability, which does not make much sense when the repairer is undertaking a project in foreign territories such as Singapore and Australia.

What key industry trends are shaping marine insurance, and how might they impact repairers?

For the first time in many years, there are signs that underwriters are starting to become somewhat more forgiving in terms of rating. Whether this is a trend that will play out over time remains to be seen. The global pandemic of 2020 did a number on the ship repair industry, particularly anything related to the cruise lines, but this niche sector has begun to show signs of recovery.

I consider it part of my job to stay on top of emerging trends like this so that my clients don’t miss anything.

What common gaps do you see in repairers’ insurance coverage, and how can they avoid them?

When coverage falls short, it is usually due to one or more liabilities assumed under contract by a repairer not being properly addressed in the policies maintained by the repairer.

When working across different global regions, what should repairers look for in their insurance policies to ensure compliance?

The marine industry operates on a global scale, and while many aspects of ship repair, such as propulsion systems and electronic equipment, remain consistent across regions, insurance requirements can vary. One crucial factor to consider is policy territory. If a loss happens anywhere in the world, the policy must have coverage in that location. Ensuring worldwide coverage helps repairers stay protected no matter where their work takes them.

Beyond standard liability coverage, what additional insurance policies do you recommend for ship and yacht repairers?

It really depends on the nature and scope of operations. Most ship or yacht repairers require the basics: Marine General Liability that is endorsed with coverage for Ship Repairers Legal Liability (SRLL) and Maritime Workers Compensation (USL&H) if they have employees working on or adjacent the navigable waters of the U.S.

That said, there are other situations that come into play and are highly individual. For example, what if the shipyard or marina require higher limits of liability? That is when a Bumbershoot Liability policy comes into play.

Do they own vehicles? If so, Commercial Auto Liability is a necessity.

Are there any employees working aboard vessels in navigation? The insurance solution for this is Marine Employers Liability.

There are a multitude of different factors and contingencies to consider, which is why it is imperative to consult with a proven marine insurance specialist.

Are there specific endorsements or policy enhancements that repairers should consider for added protection?

The requirements of repairers vary from one entity to the next. It is not necessarily a case of your insurance broker having a ready-made list of “standard endorsements,” as it is the person you rely on who has a consistent, organized approach to their work. For example, for coverage to be in place under a Marine General Liability policy, the central form in a repairer’s portfolio, any claims must arise from the negligence of the insured, its subcontractors, or its employees.

Today, it is not uncommon for the laborer performing the work of the repairer not to be subcontractors or employees in the traditional sense. It is a problem that can be addressed, often easily. Still, the repairer’s insurance representative must have the expertise to address it. 

What are the biggest factors that impact the cost of liability insurance for repairers?

Simply put, it is the class of work and the insured’s loss record. The more hazardous a risk is assumed to be, the higher the rate. The cleaner the loss record, the lower the rate tends to be.

What proactive steps can repairers take to minimize their liability exposure and strengthen their risk management strategies?

Review all written contracts closely and continuously train employees in best practices.

In your opinion, what sets MHG Insurance apart from other marine insurance brokers?

This one is straightforward: proven expertise.

MHG has been a market leader in the marine insurance industry for well over three decades. We are not ‘generalist insurance experts’ and nor do we ever wish to be perceived as such. We continue to capitalize on the mistakes of other brokers who masquerade as marine insurance specialists but are actually not. All it takes is a quick review of the policies put in place to determine whether the competitor knows what they are doing.

Navigating the complexities of liability insurance for ship and yacht repairers requires expertise and the right coverage. Whether you're reviewing your current policies or seeking guidance on emerging risks, working with a specialist can make all the difference.

For expert advice and tailored marine insurance solutions, visit MHG Insurance or call us today. Let’s ensure your business stays protected.

When your child embarks on a career as a yacht crew member, they step into an exciting and demanding industry. While the adventure of working at sea is appealing, the unique risks involved make proper health insurance essential. Many parents have concerns about coverage, costs, and how to ensure their child is protected. Below, we've asked Mark Bononi, MHG's COO and Director of our Yacht Division, to address some of the most common questions that we at MHG Insurance receive from parents about yacht crew insurance.

Q: Will our home health insurance cover anything while my son is working overseas?

A: Most traditional health insurance plans do not cover medical expenses incurred while working overseas, especially in international waters. Even if your plan offers some level of international travel coverage, it probably won't extend to workplace injuries or emergency evacuations—both of which are crucial considerations for yacht crew members. A specialized yacht crew insurance policy ensures that your child has access to the care they need, no matter where they are in the world.

Q: What happens if my daughter needs to be airlifted off the boat?

A: Emergency medical evacuations are often one of the biggest concerns for yacht crew and their families. If your daughter becomes seriously ill or injured while at sea, an airlift may be the only option to be transported to a hospital capable of providing adequate care. Without insurance, these airlifts can cost tens of thousands of dollars. A well-structured yacht crew insurance policy can cover medical evacuations, helping ensure she can receive the necessary treatment without financial strain.

Q: Why do we need different insurance for Europe and the U.S.?

A: Healthcare systems and insurance requirements vary widely between regions and countries. Some European countries have nationalized healthcare, while the U.S. has a private system. If your child is working on yachts that travel between different regions, a global insurance policy is critical to ensure they are covered everywhere they go. Yacht crew insurance is specifically designed to provide seamless international coverage, eliminating the risk of gaps in care.

Q: If my child is exploring a country during her time off, is she still covered by the yacht's health insurance?

A: This depends on the specific policy the yacht provides. Some employer-sponsored plans only cover crew members while they are actively on duty, meaning any injuries sustained during personal time—such as exploring a new city or engaging in water sports—may not be covered. An individual yacht crew insurance plan ensures that your child remains protected at all times, whether they are on the clock or enjoying their time off.

Q: Does health insurance cover my son in between his assignments? What other options do we have?

A: Many yacht crew members work on short-term contracts, which can lead to coverage gaps between jobs. If your son relies solely on employer-provided insurance, he may find himself without coverage when switching vessels or during time off. To avoid these lapses, I recommend a continuous individual policy that stays with him regardless of his employment status. This provides peace of mind and ensures he always has access to medical care.

Q: How much does insurance cost?

A: Unfortunately, there's no simple answer here. It depends on many factors, including the chosen insurance plan, the deductible or excess that is selected and of course the age and gender of the crewmember.

Q: What should I look for in his health insurance package?

A: Not all yacht crew insurance policies are created equal. At a minimum, your child's coverage should include:

1. Global Medical Coverage: Ensures access to healthcare providers worldwide.

2. Emergency Evacuation: Includes air transport to the nearest appropriate medical facility.

3. Repatriation Services: If a serious condition requires returning home, the costs may be covered.

4. Coverage Beyond Work Hours: For protection during personal time and between assignments.

5. Additional Benefits: Dental care, mental health support, and personal liability coverage can be valuable additions.

Q: What do you suggest as the necessities for him to enter the workforce as a yacht crew member?

A: Before entering the yachting industry, your child needs key qualifications. The STCW certification is mandatory safety training for all yacht crew, and the ENG1 medical certificate confirms they're fit to work at sea. Proper insurance coverage is also essential from day one, ensuring they're protected even between jobs.

Beyond certifications, understanding industry expectations is crucial. Yachting demands professionalism, strong work ethic, and adaptability. Since many crew members are paid in different currencies without traditional benefits, financial planning is also important. With the right preparation, your child can confidently start their career at sea.

As your child enters the workforce, having the right insurance isn't just about compliance—it's about safeguarding their health and financial well-being. Working with a provider that specializes in yacht crew insurance, like MHG Insurance, ensures they receive comprehensive protection tailored to the realities of life at sea.

For more details on the best coverage options for your child, visit mhginsurance.com/Insurance/Yacht-Industry or contact me here!

For those working on yachts, the beauty of the job often comes paired with unique challenges—long stretches away from loved ones, high-pressure roles, and the isolation that can come with being surrounded by water. Yet, for every challenge, there’s a counterbalance; in the yachting community, that counterbalance is connection. Developing a strong support system both onboard and off can be transformative for your mental health and the quality of your experience in this dynamic lifestyle.

At MHG Insurance, we understand the complexities of life at sea, which is why we’re committed to supporting the mental well-being of yacht crew. One of the most effective tools at your disposal? The relationships you cultivate along the way.

Connection as a Lifeline

The close quarters of a yacht often mean you’re surrounded by people 24/7. While this can sometimes test your patience, it’s also an opportunity to build meaningful relationships with those who truly understand your lifestyle. Your crew becomes your family away from home, and fostering these connections can be critical to mental health, something many crew members struggle with during jobs.

If you’re a yachtie struggling with mental health, we’ve compiled a list of some helpful resources. Check it out here !

Sharing experiences with peers who understand the highs and lows of yachting creates a unique sense of camaraderie. Whether it’s venting about a tough day or celebrating milestones together, these moments forge bonds that can weather the turbulence of the job. Loneliness is a common struggle for many in the maritime world, but actively engaging with your peers—whether through shared meals, workout sessions, or off-duty adventures—can help combat those feelings.

Off the yacht, maintaining connections with family, friends, and fellow yachties can be equally vital. Technology makes it easier than ever to stay in touch, but there are also dedicated resources tailored for the yachting community. Yacht Crew Help , provided by ISWAN, is an excellent resource offering emotional support and practical advice. Sometimes, just knowing there’s someone who truly understands can make all the difference.

Friendship as Therapy

While seeking professional help is always encouraged for those facing mental health struggles, don’t underestimate the power of friendship as a form of therapy. Having someone to share the journey with—your roommate onboard or a confidant you connect with while docked—can help alleviate stress and foster resilience.

This is something that our friend Captain Kelly Gordon, the driving force behind Yachtie Minds Matter , understands deeply. She has dedicated her platform to normalizing conversations about mental health within the yachting industry, encouraging yacht crew to check in with themselves and each other. Her work demonstrates that when we feel supported, we’re better equipped to handle life’s challenges, both personal and professional.

Beyond peer connections, professional networks designed specifically for yacht crews are invaluable. Yacht Crew Help and Yachtie Minds Matter provide resources tailored to the unique needs of life at sea. These organizations are designed to help crew members navigate the nuances of their lifestyle, offering everything from confidential support lines to specialized workshops.

Navigating Stormy Seas with a Safety Net

Building a robust support system is about more than just socializing—it’s about creating a safety net for when times get tough. Yachting has its share of stressors : demanding schedules, the pressure to maintain high standards, and the physical toll of constant movement. Knowing you have people who’ve got your back can be a powerful antidote.

For crew members who feel their struggles extend beyond the support of friends and family, telemedicine options can provide professional mental health care no matter where the yacht is docked. Many of these services are equipped to handle the unique challenges of yachting, from irregular schedules to fluctuating internet connectivity. By combining peer support with professional care when needed, crew members can build a multi-layered approach to mental wellness.

Sustaining Connection Beyond the Yacht

The yachting lifestyle is inherently transient. Crew rotate on and off yachts, friendships evolve, and life moves at a rapid pace. Staying connected to the people and communities you care about takes effort, but it’s a worthwhile investment in your well-being.

Joining online forums or social media groups specifically for yacht crew can help you maintain ties with people who share your world. Events like crew meetups, industry conferences, or even casual dockside gatherings offer opportunities to reconnect with familiar faces and form new bonds. These moments remind us that the yachting world, though vast, can feel remarkably close-knit when we actively engage with it.

When you’re back on land, use the time to recharge and nurture relationships with loved ones. Strong connections onshore can provide stability, grounding you no matter where your next assignment takes you.

Why Connection Matters

The power of connection lies in its ability to transform isolation into community. In an industry as fast-paced and unique as yachting, fostering meaningful relationships ensures you're never truly alone, no matter how far you are from home.

Whether you’re leaning on peers during a tough crossing, finding support through resources like Yacht Crew Help and Yachtie Minds Matter, or taking advantage of telemedicine options to prioritize your mental health, reaching out can be life-changing. At MHG Insurance , we believe that building a support system isn’t just helpful—it’s essential.

Fort Lauderdale, Florida – January 29, 2025 – MHG Insurance, a leading international insurance brokerage and advisory firm, is delighted to announce the appointment of Guillaume Lange as Managing Director of the company’s new entity currently being formed in Antibes, France. This step shows MHG’s commitment to growing its presence and improving services in the Côte d’Azur.

In his new role, Lange will focus on supporting MHG’s yacht and marine business, developing new relationships, and expanding the company’s presence in the Côte d’Azur. Lange brings over a decade of international private medical insurance experience and has worked with leading insurance companies in Europe and Asia.

“Joining such a talented and respected team is a privilege,” commented Guillaume Lange. “MHG’s reputation for delivering expert insurance advice, tailored solutions, and outstanding client service truly sets them apart in the industry. I’m excited to contribute to and build upon this success.”

Situated in Antibes, the new office represents MHG Insurance’s third European location and a significant milestone in the company’s growth strategy. Establishing a permanent presence in the South of France allows MHG to be closer to business partners, clients, and crew, supporting more direct and accessible service.

“We’re thrilled to welcome Guillaume to the MHG team,” said MHG Insurance CEO, Alastair Macmillan-Bell. “With his extensive experience in international private medical insurance, his personable nature, collaborative approach, and dynamic leadership style, Guillaume is an excellent addition as we continue to expand our presence in Europe.”

Headquartered in Fort Lauderdale, MHG Insurance also has offices in the Isle of Man and Hamburg, each staffed by specialists dedicated to providing the marine industry with top-tier insurance guidance and solutions. MHG is deeply committed to fostering a culture of inclusion, offering a positive and family-like work environment that remains central to its identity.

About MHG Insurance

Established in 1991 in Miami, Florida, MHG Insurance is a global insurance brokerage and consulting firm focusing on the marine industry. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, wellness solutions, risk mitigation programs, property and casualty insurance, and financial services, all supported by a comprehensive attention to serving our clients at the very highest standards. Well-regarded in the marine community, MHG is known for its expertise in the Maritime Labour Convention (MLC 2006) and for creating MLC-aligned crew insurance solutions. To learn more, please contact mhginsurance.com.

Living and working on a yacht offers a unique lifestyle, but it also comes with significant challenges. These pressures can become even more pronounced during the holiday season, as being away from friends and family can intensify feelings of loneliness or homesickness. Combined with the high expectations of employers and guests, it’s no surprise that stress, anxiety, and burnout can take a toll on mental health. Taking the first step toward seeking help—or even acknowledging the need for it—can be difficult. However, mental health awareness within the yachting industry has grown significantly in recent years, and confidential, supportive resources are more accessible than ever.

At MHG Insurance , we understand the complexities of working in such a high-pressure environment and are committed to helping crew members access the support they need to thrive. Keep reading for an overview of resources, practical tips, and actionable solutions to safeguard your mental health. Remember, seeking help isn’t a sign of weakness—it’s a powerful step toward resilience, balance, and a healthier, happier you.

Support Dedicated To Seafarers

Several organizations offer specialized services and programs designed specifically for seafarers, providing support that is both relevant and compassionate. Remember, seeking help isn’t just for moments of crisis—it’s about proactively safeguarding your well-being before challenges become overwhelming.

• ISWAN’s YachtCrewHelp – A free, confidential, and multilingual support helpline for yacht crew, accessible 24/7, every day of the year.

• Seas the Mind - Committed to fostering mentally healthy and resilient yacht crews through Mental Health First Aid training.

• Yachtie Minds Matter – Captain Kelly Gordon’s initiative promoting mental health awareness resources for yacht crew. An industry advocate, Capt Kelly fosters open conversations and offers tools, information, and support to prioritize crew well-being, drawing from her own relatable experiences in yachting..

• Safer Waves - Safer Waves offers confidential help for seafarers experiencing harassment, bullying, and discrimination.

Unlocking Mental Health Resources with Your Crew Health Plan

Crew Health insurance plans have made accessing professional mental health support easier than ever. Many policies now include mental health services as a standard benefit, with no deductibles, co-pays, or co-insurance required. Whether you prefer in-person sessions or the flexibility of virtual consultations, help is accessible no matter where you are in the world.

It’s important to note that coverage can vary between policies. If you’re considering seeking support, take a moment to review your policy details or reach out to your insurance broker for a complete understanding of your options.

Building Peer Support Networks

Though professional help is invaluable, the power of community should not be underestimated. Connecting with fellow crew members or others within the industry with shared experiences can provide a sense of solidarity and understanding.

Some yacht crew turn to social media pages , online groups, or local meetups for support. Platforms like Facebook may host private groups specifically for crew, where individuals share advice, stories, and resources. Others opt for more structured peer-support systems, such as attending crew wellness events or joining organizations that promote mental health awareness in the yachting community.

Onboard, fostering open communication with your team can make a significant difference. Crew members who feel comfortable discussing their struggles with trusted colleagues often experience reduced feelings of isolation. While the yachting industry is still evolving in its approach to mental health, the cultural shift toward openness and empathy is palpable.

Self-Care: The First Line of Defense

Although external resources are essential, your personal habits also play a significant role in maintaining mental health. Prioritizing self-care onboard can seem challenging, but even small changes can make a substantial difference.

Physical activity is a powerful way to reduce stress and boost your mood. While many yachties stay active through the demands of their job, taking time for enjoyable physical activities can make all the difference. Whether it’s using the yacht’s fitness equipment, practicing yoga on deck, swimming, or going for a walk or jog during shore leave, exercise provides a chance to clear your mind and release stress. Even if it’s just a few minutes a day, try to steal a few moments for yourself. Prioritize activity that feels good for you—it’s an investment in both your mental and physical well-being.

Mindfulness practices, such as meditation or breathing exercises, are also excellent tools for managing stress. Apps like Calm or Headspace are particularly useful for busy schedules, offering guided meditations that can be completed in just a few minutes.

Maintaining a balanced diet, staying hydrated, and limiting alcohol are fundamental. While it may be difficult, try to get as much sleep as possible. It can be tempting to rely on convenience foods or energy drinks during hectic workdays, but prioritizing nutrition will provide long-term benefits for both your body and mind.

Taking the Next Step

Mental health is a vital component of your overall well-being. Whether you’re facing unresolved issues, navigating heavy emotional challenges, or simply need someone to listen, your Crew Health plan and industry resources are here to help. Prioritize your well-being by making healthy lifestyle choices and incorporating self-care practices into your daily routine. From professional counseling to peer networks and self-guided approaches, the resources available to yacht crew are designed to meet you where you are—no matter the challenges you face.

At MHG Insurance, we are dedicated to supporting the mental health of those who dedicate their lives to working at sea. Through comprehensive insurance solutions that include access to mental health services, we strive to ensure you have the care and support you need when it matters most.

Life onboard can be unpredictable, but with the right tools and resources, you can navigate the waves of mental health challenges with strength, resilience, and confidence.

As the winter chill takes hold, the allure of warm, tropical destinations becomes stronger than ever. For those seeking a luxurious escape to sun-drenched beaches, crystal-clear waters, and stunning coastlines, a winter yacht charter promises the perfect getaway. Whether your goal is relaxation, adventure, or cultural exploration, the right destination can make all the difference.

However, with all the excitement of planning such a trip comes the risk of unexpected disruptions. That's why protecting your investment with trip cancellation insurance is essential, and MHG Insurance is here to provide the peace of mind you need. After all, the last thing you want is to lose out on your dream charter because of unforeseen circumstances.

This Winter edition highlights a few of our favorite charter destinations that shine during the colder months. We'll also emphasize how trip cancellation insurance can safeguard your trip of a lifetime, ensuring that if plans change, you're covered.

The Caribbean: A Timeless Winter Getaway

The Caribbean understandably remains one of the top winter yacht charter destinations, offering a perfect escape from the cold. With its inviting beaches, warm climate, and countless islands to explore, the region promises a blend of luxury and adventure. Popular destinations such as Antigua, the British Virgin Islands, and St. Lucia provide a mix of vibrant culture and serene natural beauty.

The British Virgin Islands (BVI) boast calm waters and protected anchorages that make it easy to hop between islands. From the nightlife of Tortola to the untouched beaches of Anegada, the BVIs are an ideal location for both relaxation and exploration. Antigua, meanwhile, is famous for its rich history. Whether you're diving into the turquoise waters or exploring ancient sugar plantations, there's always something to discover in this Caribbean paradise.

The Bahamas: A Short Hop to Paradise

The Bahamas is an excellent winter charter destination for those in America seeking a tropical escape not too far from home. With its proximity to the United States, the Bahamas offers the perfect mix of convenience and beauty. The Exumas, mainly, are a favorite among charter guests, with their crystal-clear waters, vibrant marine life, and stunning sandbars stretching endlessly into the sea.

Chartering a yacht in the Exumas gives you access to some of the most breathtaking natural sites in the region. Visit Pig Beach, where you can swim with friendly wild pigs or dive into Thunderball Grotto, made famous by the James Bond film. The Bahamas offers diverse experiences and untouched islands where the only company you'll find is the occasional sea turtle.

The Maldives: Private Luxury in the Indian Ocean

For those looking to combine exclusivity with stunning natural beauty, the Maldives is a top winter destination. Famous for its overwater villas, crystal-clear lagoons, and incredible marine life, the Maldives offers unparalleled privacy and luxury. This collection of atolls in the Indian Ocean is perfect for those seeking a serene and upscale winter retreat.

Winter charters in the Maldives offer an ideal opportunity to experience its tropical beauty at its finest. The atolls are scattered across the ocean, giving you the freedom to explore tranquil, secluded beaches while enjoying the luxurious amenities of your yacht. Whether diving in the coral-rich waters, relaxing under the palm trees, or watching the sun dip below the horizon, the Maldives provides a dreamy winter escape.

Thailand: A Blend of Culture and Natural Beauty

Thailand's unique blend of natural landscapes and rich cultural experiences makes it a top winter charter destination. The Andaman Sea, dotted with limestone cliffs, emerald waters, and hidden beaches, is particularly captivating during the winter months. Phuket, along with surrounding islands such as Koh Phi Phi and the Similan Islands, is a favorite among charter guests for its natural beauty and vibrant local culture.

While exploring Thailand, you can indulge in world-class cuisine, discover ancient temples, and immerse yourself in the rich traditions of this Southeast Asian gem. For a more remote experience, the Similan Islands offer unparalleled diving opportunities and secluded beaches, making it easy to escape the hustle and bustle of mainland Thailand.

Protecting Your Winter Escape

As you dream of these winter charter destinations, it's essential to remember that the perfect trip can sometimes be interrupted by the unpredictable. From last-minute health concerns, business obligations, and weather, among many other reasons, the best way to safeguard your experience is through trip cancellation insurance. By partnering with MHG Insurance, you can ensure that your yacht charter investment is protected, giving you peace of mind as you embark on your dream winter getaway.

No matter which destination calls to you this winter—whether it's the sun-soaked beaches of the Caribbean, the serene waters of the Maldives, or the vibrant culture of Thailand—MHG Insurance can help ensure that if life throws a curveball, your trip of a lifetime won't become a financial burden. With the right coverage in place, you can focus on the joy of exploring these incredible destinations, knowing that your investment is secure.

Click here to learn more about our trip cancellation policy, or contact us for a quote today!

Life as a yacht crew member offers adventure and freedom but also comes with often overlooked risks. Many crew, confident in their youth and fitness, might think health insurance is something they don't really need—until a crisis proves otherwise. The truth is, accidents, illnesses, and medical emergencies don't wait for the "right time," and they certainly don't happen only when you're on duty or in familiar territory.

Whether it's a sudden accident while off-duty or a medical emergency in a remote location, having comprehensive yacht crew insurance is not just about routine care—it's about securing your future when the unpredictable becomes reality. We've collected real-life stories where health insurance made the difference between financial ruin and recovery for crew. These anonymized cases remind us why insurance isn't a luxury—it's an essential lifeline.

Case 1: A Life-Saving Evacuation After a Violent Attack  

Picture this: a crew member, in peak physical condition, is enjoying a night off when they are suddenly and violently attacked while in town. The assault leaves the individual in critical condition, requiring emergency medical evacuation from a remote location to a state-of-the-art trauma center in the U.S. The cost of this emergency evacuation alone runs into the hundreds of thousands of dollars, not to mention the additional expenses incurred for intensive care, surgeries, and weeks of rehabilitation in the U.S.

Had this crew member not been covered by comprehensive health insurance, the outcome could have been drastically different. Without financial support, the costs of evacuation, medical treatment, and recovery would have been insurmountable. Because of the insurance, the individual could receive the life-saving care they needed and ultimately make a full recovery.

Takeaway: Even if you're young, fit, and healthy, having health insurance isn't just about routine checkups or minor injuries. It's a safeguard against life's unpredictable moments, even those that seem completely unrelated to your personal health.

Case 2: A Bicycle Accident and the Road to Recovery

While many crew assume that any injuries sustained would be covered under the yacht owner's insurance, that's not always the case—especially when accidents happen off-duty and off-site. Take, for example, a crew member who was cycling through the streets of Ft. Lauderdale during their downtime. A driver with no insurance struck the crew member, causing multiple broken bones and extensive injuries that required plastic surgery to repair.

Without their own health insurance, this crew member would have faced an overwhelming financial burden on top of the long and painful road to recovery. But thanks to their yacht crew insurance coverage, they were able to access high-quality medical care and underwent several surgeries, which allowed them to heal and regain their full physical ability.

Takeaway: Accidents don't just happen at work, and employers aren't always liable for your off-duty medical needs. Personal health insurance guarantees access to medical care when you need it, regardless of the circumstances.

Case 3: Severe Food Poisoning with Unexpected Consequences

When you think of food poisoning, you might imagine a few days of discomfort and an upset stomach. But for one crew member in Italy, food poisoning turned into a life-threatening ordeal. A severe infection resulted in several complicated surgeries, and the individual continues to require medical care, with further surgeries still on the horizon.

The total cost of care has already reached hundreds of thousands of dollars, a financial burden that would have been impossible to bear without health insurance. The crew member's insurance has paid for every procedure so far, ensuring they receive the necessary care for a full recovery.

Takeaway: Sometimes, even seemingly minor health issues can escalate into major medical emergencies. Comprehensive health insurance provides peace of mind that no matter how serious your situation becomes, the financial aspect is one less thing to worry about.

Case 4: Detecting and Treating Skin Cancer Early

Crew members spend a significant portion of their time working under the sun, and as a result, they are at a higher risk of developing skin cancer. One crew member took advantage of their health insurance's coverage for regular checkups and discovered several cancerous moles during a routine skin examination. These moles were identified as melanoma, one of the most dangerous forms of skin cancer.

Because the cancer was caught early, the crew member was able to undergo immediate treatment and is now cancer-free. Without insurance, the crew member might have delayed getting the necessary checkup or treatment, which could have led to a more serious, possibly life-threatening condition.

Takeaway: Preventive care is just as important as emergency treatment. Regular health checkups, which were covered by insurance in this case, can catch issues like cancer early when they are far easier to treat and cure.

The Bigger Picture: Why Health Insurance Matters for Crew Members

These four cases highlight an important truth: life is unpredictable. While crew may feel invincible due to their age or physical fitness, health insurance is an essential safety net. Whether it's a severe accident, a long-term illness, or an unforeseen medical condition, the cost of healthcare can escalate quickly, putting an immense financial strain on you and your family.

Additionally, crew members often work in international locations where access to healthcare can be limited or extremely expensive for foreigners. In these cases, having yacht crew insurance that includes coverage for medical evacuation, international treatment, and rehabilitation is invaluable.

These real-life stories remind us of health insurance's importance in safeguarding your health and financial future. For crew, who often work in unique and challenging environments, having the right coverage can make the difference between a quick recovery and a long-term struggle. Don't let the unpredictable nature of life catch you off guard—ensure you're protected with comprehensive yacht crew insurance today.

At MHG Insurance, we understand the unique needs of crew members and are committed to providing the best health insurance plans to protect you no matter where life takes you. Ready to protect your health and financial future? Don't wait for the unexpected—GET A QUOTEtoday!

For many, working on a yacht is a dream career where travel and work are combined. Often, the excitement of the job causes health and wellbeing to take a backseat. But for those who live and work on the waves, robust health insurance isn't just a formality—it's a critical safeguard. Joanna Drysdale, the Director of Underwriting Services at MHG's Isle of Man office, is a key expert in this field. With over ten years of experience in advising the yachting industry on crew health benefits, Joanna is renowned for her commitment to mental health and wellbeing. She has been instrumental in developing resources like ISWAN's Yacht Crew Help.

Read what Joanna shared with us about her valuable insights on crew health benefits, common misconceptions, and the evolving landscape of crew insurance.

Q: What crew health benefit do you think is often overlooked?

Rather than focusing on a single overlooked element, I find that customers often underestimate the differences between crew insurance policies. Each plan varies significantly depending on individual circumstances. Coverage can differ in terms of home country expenses, injuries sustained while intoxicated, maternity care, and coverage for adventurous activities. Therefore, assessing how you want the crew insurance to function is crucial, as well as determining your priorities and communicating these clearly to your management or insurance broker.

Q: You're very passionate about crew mental health. How do you think awareness has improved in the industry in the past few years?

There has been notable progress in raising awareness about mental health, but there's a limit to how effective this can be. Once awareness reaches a certain level, using that momentum to drive tangible change is essential. It's not enough to simply tell crew members that "It's OK to not be OK" if they still feel unsure about where to seek help or if they lack confidence in reaching out to colleagues or superiors. Yachts can offer Employee Assistance Programmes, promote resources like Yacht Crew Help, and provide mental health coverage, but if these services aren't utilized, it's important to reassess what might be missing.

Q: What are some common misconceptions that crew have about health insurance?

European crew often assume their EHIC or GHIC provides sufficient coverage between jobs. While it covers emergency treatment, it doesn't always cover all costs or provide for evacuation and repatriation. Crew members may also believe they must get pre-authorization for all types of treatment or use specific providers globally. In reality, most insurance plans only require pre-authorization for certain treatments (like inpatient care or surgery) and usually only have specific provider requirements in the United States. It's always best to review the insurance policy's terms and conditions before seeking treatment.

Q: Are you seeing any trends that could impact crew health insurance policies in the next 5 to 10 years?

There's a growing trend for management companies and clients to include more coverage in crew insurance that was traditionally handled by P&I. For example, covering temporary crew or day workers, which P&I previously managed, is now more common in crew insurance plans. A French broker mentioned that in France, unhappy crew members could legally force a yacht to be detained, which can be mitigated by crew insurance. This type of insurance can potentially expedite claim payments and minimize disruption. Additionally, I hope to see improved mental health coverage and greater accessibility from crew insurance providers.

Q: What are the most common crew health claims that MHG Insurance sees?

We frequently see claims related to injuries sustained while under the influence of alcohol, as well as accidents involving equipment like hatches, lines, winches, and tenders. Wear and tear injuries, such as those affecting joints and ligaments, are also common. Our plans are designed to cover private treatment while crew members are on leave, which is appreciated for managing these injuries on their own schedule. Routine dental claims are also quite frequent.

Q: Besides medical expenses, which benefit would you encourage every boat to take?

I recommend including routine medical, dental, and optical coverage—what we call "Health Plus." This benefit often provides more value than its cost, as routine dental claims are pretty common. Another important but frequently overlooked benefit is coverage for death due to illness, also known as "term life." Many international medical plans don't cover funeral costs if the death occurs in the crew member's home country. Even a modest amount of coverage for funeral expenses can alleviate some of the difficulties families face in such situations.

Q: What do you think sets MHG apart from other crew health specialists in the industry?

Our extensive experience is a key differentiator. Our dedicated and knowledgeable underwriting and claims teams have a long history of specializing in yacht crew, which is crucial. Additionally, our longstanding relationships with policy underwriters and the size of our portfolios provide us with stability and flexibility. These factors enable us to offer tailored solutions and maintain reliable service.

Q: What key features should owners, yacht managers, and captains look for when choosing a health insurance plan for their crew?

It's essential to identify and communicate your key priorities to your yacht management or marine broker. Do you want to be able to support a crew member who falls pregnant? Ensure there's adequate maternity coverage. If you want your crew protected while on leave and engaged in adventurous activities, ensure you have comprehensive 24/7 and 365 coverage.

Q: How do you help yacht owners balance the cost of premiums with the need for comprehensive cover?

Our flexible and customizable plans allow us to offer solutions that fit both customer requirements and budgets. While not every client requires or desires the level of coverage we offer, those seeking comprehensive benefits and specialized service can rely on us to provide the necessary support while maintaining stable premiums. We use decades of data to ensure our pricing remains sustainable.

Q: What has been the most rewarding aspect of working with yacht crew for the past 13+ years?

The most rewarding aspect has been seeing our claims team deliver impactful support to crew members in times of need. Following a crew member's recovery from serious medical issues and their return to work is incredibly fulfilling.

Q: Can you share any memorable stories from clients that highlight the importance of having crew health insurance?

There are many memorable stories. One involved a crew member diagnosed with a serious condition and told they'd never work at sea again. With the support of sick pay insurance, they were covered for two years and eventually returned to work on another yacht. Another case involved a crew member who needed a drug not covered by their domestic insurance but was included in their crew insurance. Despite initial fears about the crew member's future, they eventually returned to work after receiving the necessary treatment. These stories, along with the challenging ones, underscore our commitment to each crew member's wellbeing.

Joanna Drysdale's insights highlight the complexities of managing yacht crew health benefits and the importance of tailored insurance coverage. Her expertise offers valuable guidance for ensuring that crew members are well-protected and supported in their roles.

Joanna Drysdale's insights provide a comprehensive look at the complexities of crew health benefits and the importance of tailored insurance coverage. At MHG Insurance, we are dedicated to offering exceptional service and flexible solutions designed to meet the unique needs of yacht crews. If you're looking for expert guidance and comprehensive coverage for your crew, contact us today to learn how we can help you ensure their wellbeing and protect your vessel. Reach out to MHG Insurance and discover the difference our specialized approach can make.

Do you imagine combining your passion for education with the adventure of traveling and seeing the world? If the idea of sharing your expertise while sailing the high seas sounds appealing, then becoming a guest lecturer on a cruise ship might be the perfect career move for you. We've got your guide to exploring the exciting world of cruise ship lecturing, covering everything from the diverse opportunities, essential skills, application process, and the health insurance obligations.

Exploring the Vast Opportunities

Guest lecturers on cruise ships have the chance to explore a variety of opportunities, catering to diverse interests and expertise. One such opportunity is to offer academic lectures and share your knowledge in your field of expertise, whether history, science, literature, or any other subject. Cruise ship passengers often appreciate intellectually stimulating content and are eager to learn from experts.

Another way to engage passengers is to offer lectures on special interest topics such as photography, culinary arts, or wellness. These can provide a unique and enriching experience for guests with specific interests. It's a great way to cater to niche markets and ensure passengers have a memorable and enjoyable onboard experience.

Beyond traditional lectures, cruise lines may offer interactive workshops or class opportunities. This format allows guests to participate and learn hands-on skills actively. Workshops and classes could include anything from arts and crafts classes to cooking demonstrations, dance lessons, or fitness classes. It's a great way to provide guests with a diverse range of activities and ensure that they are engaged throughout the duration of the cruise.

Finally, guest lecturers can embrace the chance to immerse passengers in the local culture of each port of call. By sharing insights into the history, traditions, and customs of the destinations visited during the cruise, guest lecturers can provide passengers with a more meaningful and authentic experience. This can include guided tours, cultural demonstrations, or even language lessons.

If this sounds like you, read on to learn about the skills you will need to be a successful guest lecturer and the following steps to take to get you onboard!

Essential Skills

Successfully delivering educational content on a cruise ship requires a unique set of skills. Beyond your academic qualifications, consider the following:

• Dynamic Presentation Skills: Cruise ship audiences consist of individuals from various backgrounds and age groups. It is crucial to present your material in an engaging, accessible, and entertaining manner.

• Adaptability: Cruise ship schedules can change due to weather or other unforeseen circumstances. Flexibility and the ability to adapt to unexpected changes are essential traits for a guest speaker.

• Interpersonal Skills: Building a connection with your audience is vital. A friendly and approachable demeanor will enhance the overall experience for passengers.

• Tech Savvy: Familiarize yourself with the audiovisual equipment available on cruise ships. Being comfortable with technology ensures smooth presentations and minimizes technical hiccups.

Setting Sail on Your Guest Lecturer Journey

Before embarking on your journey as a guest lecturer, it's crucial to understand the application process. Cruise lines typically partner with agencies specializing in educational and entertainment programs. These agencies act as intermediaries, connecting skilled professionals with cruise ship opportunities.

Start the process by researching reputable enrichment agencies that work with the cruise lines you want to work with. These agencies can provide information on how to apply for guest speaker positions and connect you with the relevant cruise lines.

Once you've identified an agency to work with, it's essential to prepare a compelling resume or portfolio highlighting your educational background, expertise, and any relevant experience in public speaking or teaching. Ensure you emphasize your ability to engage and captivate an audience, which is crucial for success as a guest lecturer on a cruise ship.

In addition to a strong resume or portfolio, you'll also need to develop a riveting presentation proposal. Cruise lines are interested in unique and engaging topics that will captivate their diverse audience. While zoology or history seem to be obvious topics, you might be surprised by some other topics, including photography,

cooking, astronomy, and art. Tailor your presentation proposal to appeal to cruise ship passengers seeking education and entertainment.

Navigating the Insurance Waters

Before you can set sail, it's crucial to understand the cruise line’s health insurance requirements in your contract. Some cruise lines may provide coverage for you to buy while others may require you to purchase coverage from an approved provider. While coverage requirements vary across the cruise industry, many of the cruise lines require their guest lecturers to have at least $1M in coverage and coverage for emergency medical evacuation, repatriation, and Covid-19. Review your specific agreement for details.

At MHG Insurance, we specialize in health insurance plans for the marine industry. We would be happy to help you understand your health insurance requirements and find you the right plan for your specific situation. Plans typically include coverage for accidents and illnesses occurring on and off the ship, do not include work exclusions, and can be purchased online in just a few steps. If you have questions, or would like to get a health insurance quote, get in touch with us at mhginsurance.com.

In an age where technology has made booking flights and accommodations as easy as a few clicks, the resurgence of travel agents might seem surprising. However, the ability to include additional excursions and visits to multiple places in one vacation brings value to travel agents' personalized touch and expertise. This revival is not just about convenience but a comprehensive and seamless travel experience. Let's delve into the advantages of travel agents and the reasons behind their renewed popularity.

Personalized Service in a Digital World

As the travel industry embraces technology, it may seem like the human touch is diminishing. However, travelers realize that technology can't replace the insights and personalized service travel agents offer. Travel agents are coming back because they understand that each traveler is unique, with distinct preferences and requirements.

From crafting personalized itineraries to recommending hidden gems that algorithms might overlook, travel agents are becoming the go-to resource for those seeking a tailor-made travel experience. This personal touch creates a level of trust and comfort, especially when navigating the uncertainties of travel in a post-pandemic world.

Time-Saving Convenience

While the digital age has allowed us to book flights and accommodations online, it has also resulted in an overwhelming amount of information. Vacationers often spend hours researching options, reading reviews, and comparing prices. With their insider knowledge and industry connections, travel agents streamline this process. They can quickly narrow down choices based on the traveler's preferences and budget, saving valuable time and ensuring that every aspect of the trip aligns with the client's desires.

Navigating the Complexity of Travel Regulations

The travel landscape has become increasingly complex, with ever-changing regulations, entry requirements, and health protocols. Travelers are now faced with a myriad of considerations, from visa entry requirements and travel advisories. Navigating this maze of information is overwhelming, so travel agents are an easy way to stay ahead and ensure you have everything covered.

Travel agents also stay updated on the latest travel advisories and entry requirements, ensuring their clients have the most accurate and current information. This level of expertise has become invaluable, particularly for those who want to avoid last-minute hiccups and disruptions to their travel plans.

Negotiating Better Deals and Added Value

People in the industry often have access to exclusive deals, promotions, and packages that are not readily available to the general public. Due to their ongoing relationships with suppliers such as hotels, airlines, and tour operators, travel agents can negotiate better prices and secure additional perks for their clients. In addition, travel agents know the best insurance providers to work with to make sure your vacation is covered in the case of a cancellation or even an accident or illness while you are traveling. Travelers benefit not only from cost savings but also from added value that enhances the overall travel experience.

The Inside Scoop on How to Protect Your Trip

Travel agents are experts in making travel go smoothly, but if the unanticipated happens, they offer the best guidance on preparing for and dealing with it. They also have connections to insurance providers who are there to protect you and your trip and can get you the best coverage the industry has to offer.

MHG Insurance provides comprehensive travel insurance solutions that go beyond traditional coverage. From trip cancellation protection to emergency medical coverage, MHG Insurance understands the diverse needs of today's travelers. Travel agents appreciate the flexibility and customization options that MHG Insurance offers, allowing them to tailor insurance plans to meet their client's specific requirements.

Peace of Mind in Unpredictable Times

In an era marked by uncertainty, having reliable travel insurance is non-negotiable. MHG Insurance provides a safety net for travelers, offering coverage for unforeseen events such as trip cancellations, medical emergencies, and travel delays. This level of protection is a crucial factor for travelers who want peace of mind and assurance that their investment in a trip is safeguarded.

When unforeseen events disrupt travel plans, the human touch becomes even more critical. In times of crisis, having a dedicated professional who can guide and assist is invaluable. The combination of expert guidance from travel agents and the reliable support of MHG Insurance creates a safety net that extends far beyond the booking process.

In a world where uncertainties abound, travelers are seeking reassurance and reliability. The comprehensive coverage and personalized service offered by MHG Insurance, coupled with the expertise of travel agents, create a harmonious partnership that ensures clients can embark on their journeys with confidence and peace of mind.

To learn more about our world-class travel insurance, visit mhginsurance.com.