As a busy crew member on a yacht, one of the most disturbing things to greet you upon returning from a long rotation is a medical bill demanding you owe thousands of dollars. Navigating the medical systems in the U.S. can not only be one of the most daunting endeavors, but also one of the most complicated. Which is right where we are waiting to step in!

Let the Experts Handle It

Frequently, we are contacted by crew members who have a bill in excess of $10,000 and are panicking because the letter is very threatening. Many times, they don’t even know where to begin to fix it. That is where we will step in and handle it for you wherever and whenever possible. Never pay a medical bill without contacting us to let us research it for you. It can often be as simple as a claim form needed to be completed. If you sought care inside the U.S, you will most likely receive multiple bills from a hospital visit, leaving you completely overwhelmed. It is not uncommon for this to happen in the U.S. and again, crew are ill-equipped and inexperienced to handle it.

Do Your Homework, and Keep Records

Utilizing your insurance to the best of your ability is our goal. Claim issues can often be avoided by just understanding your policy or taking the time and due diligence to pre-certify. We are available to review the policy with you and answer any questions you may have. It is also imperative one keeps copies of all the bills, receipts, charges, invoices, etc. from any doctor facility visits. In the event there is an unpaid claim, or it appears you owe a balance you already paid, you are able to validate.

It Happens More Than You Think

A recent case of a U.S. medical claim gone awry is with a shoulder surgery that a crew member had well over a year ago. They pre-certified as required, chose a network facility to minimize any out-of-pocket costs, and believed that the bills were all paid. Fifteen months later, they received bills from collection agencies threatening them. They reached out to us for assistance and luckily, we were able to find that the facility as well as the doctor had been paid and they never recorded it properly. We contacted the insurance carrier on behalf of the crew member, obtained copies of the payments, and dealt with the collection agencies. Once we provided them the proof they had been paid-in-full, the crew member was no longer under any legal responsibility for the bills.

As your insurance administrator, we are here to help you understand not only your benefits, but also to be the fixer when possible. We can work with the providers, the insurance carrier, as well as collection agencies, if it has gotten to that point, to avoid yourself from having to spend valuable free time on the phone trying to get a solution. At MHG, our commitment to service sets us apart from our competitors. We not only sell the policy; we never leave your side after the fact.  And if you happen to need medical assistance, we want you to know, you are not alone in this. Just reach out and let us help. If you are currently experiencing any issues with your Crew Insurance, have questions about your policy, are looking for a new policy please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us at https://mhginsurance.com/Contact

Many people don’t consider buying a life insurance policy until a major life event such as getting married, buying a house, having a kid. While all of those are great reasons to purchase a life insurance policy, you should actually have a policy before any of those things happen. Yes, even if you’re single, with no dependents or assets to your name. 

1. Investment

One reason to get a life insurance policy when you are single is because it can be used as a long-term investment. Purchasing a Whole Life insurance policy can give you many options on what to do, such as being able to withdraw from the cash value of your policy much like a bank loan. Also, depending on the whole life policy you purchase, it can act as a savings vehicle. So, after a certain amount of time, your cash value will be higher than the amount you have paid, depending on where it has been invested. 

2. Funeral

Here’s a question that many may not want to ask or try to answer. Who is going to pay for your funeral? Funerals are expensive, and unfortunately, it is an expense that many don’t prepare for. Having life insurance that will include your funeral costs into the amount of your policy is a very smart thing to do. Caskets themselves can be thousands of dollars, and funeral total costs can easily exceed $20,000. 

3. Personal debts

If you should pass, who is going to pay for your debts? When you die, if you have any co-signed loans, the full responsibility of paying off the loan will be left to the person who co-signed that loan with you. Which in many cases could be your parents, spouse, kids, etc. It may be tough on them to worry about their debts and in the event of a tragedy all of a sudden have to worry about your debts as well, all while still mourning your loss. Having a life insurance policy can be used to pay off your medical bills, mortgage, credit cards, etc. 

4. Leave a legacy

It can be a good idea to purchase life insurance in order to leave a legacy. For example, if you are passionate about a charity, church, or group, you can leave them as the beneficiary of your policy, which I’m sure they will greatly appreciate and never forget. Also, you can do this if there is someone close to you that you would like to help out. Maybe a friend who is struggling and would refuse to accept any help from you. 

5. Cheaper to get a policy when you are young

If you plan on getting life insurance later in life or waiting until a life event such as the ones stated before, it may make more sense to go ahead and purchase a policy now. Waiting for one of these events can take years and years, and by the time you go to purchase a policy, the premium could be as much as two times as high as if you would purchase it now. That is because the younger you are, the less expensive the premium is, because you are not viewed as a high risk. Also, another great thing is that your premium should be locked in at that price for the length of the term or for your life depending on the type of policy you get. So, in essence, you could be saving yourself money in the long run, by spending a little extra now. 

If you are interested in purchasing life insurance, or have any questions about your policy, or which policy would be best for you and your family, contact us at 954-828-1819 or visit us online at mhginsurance.com. We have the insurance specialists to assist and advise you on the best coverage for you and your loved ones at every stage of life.

When you decided to become a yacht captain, you dreamed of an adventurous life spent cruising the ocean at the helm of a mighty vessel. While that is certainly part of a captain’s life, there are also a host of other tasks you must accomplish when accepting the responsibility of a yacht captain. 

One of the most important of these tasks may include choosing a yacht crew insurance plan for you and your crew. When searching for a comprehensive marine crew insurance plan that will ensure your crew are protected, consider the following: 

Evaluate the Full Value of the Plan

The plan you select will play a role in determining the financial security of your owner and crew, so you need to carefully choose the coverage based on features and services provided. Do not focus solely on the cost. MHG has been providing yacht crew insurance for over 20 years and during that time, we have seen insurance plans come and go. Right now, there are some new plans out there that look like Gold, for the price of Pyrite! Remember, if it sounds too good to be true, it probably is. Please, do not buy insurance (or most anything else) based solely on lowest cost. Talk to someone who can help explain what you are really getting (or not) before something happens and you find yourself or your crew thinking something was covered that isn't. 

Crew Leisure Activities May Require Extra Coverage

Yacht crews tend to be adventurous souls focused on enjoying an active lifestyle and working on the water presents the opportunity to indulge in some very exciting activities. Some of your crew’s favorite leisure pursuits carry an increased risk, however, and some yacht crew insurance policies do not cover injuries obtained while engaging in certain activities. There are insurance plans that include additional coverage for sporting activities, such as scuba and other water and winter sports, so be sure to look for those features. A comprehensive marine crew insurance plan that includes coverage for crew leisure activities will decrease liability exposure and protect both owner and crew.

Comprehensive Emergency Services Must Be Included

When a member of your crew suffers a serious injury or illness there are a number of issues that must be resolved quickly. If your crew member is unable to travel with your vessel or continue working onboard, you may be required to provide a flight home for that crewmember. You may want this feature included in the marine crew insurance plan you choose, along with adequate provisions for emergency medical evacuation and repatriation of remains.

Tailor Your Coverage to Your Crew

When choosing a marine crew insurance policy, the best way to balance costs and benefits is to consider the specific composition of your crew and the coverage desired. For example, if you don’t have any North American crew and do not plan to sail in North America, you can save premium by purchasing a policy that does not include coverage there. Does your crew consist of several members who have been long term crew for this particular yacht owner? Perhaps you should consider tailoring a plan to provide additional benefits for your crew above and beyond the standard policy. 

The experienced Insurance Specialists at MHG Insurance Brokers are ready to help you with all the details of what coverage every crew member should have, and which carrier is best for your particular situation. MHG Insurance Brokers offers a wide range of yacht crew insurance plans and international medical insurance for expatriates, with customizable coverage for all nationalities and itineraries.

Do you have Life Insurance? Do you ever wonder what will happen to your family if anything ever happens to you? If you do have Life Insurance, you don’t need to ask yourself questions like that. The problem is not everyone has life insurance. Many don’t even see it as an option because they think it is too expensive or too cumbersome. However, that isn’t always the case. There are plenty of ways to secure your family without going broke.  

What are my Options?

There are two types of Life Insurance, Temporary and Permanent. Temporary Life Insurance covers you for a period of time such as 5 years, 10 years, etc. If you should pass away within the term, your beneficiary will receive the death benefit. Permanent Life Insurance covers you for your entire life. So, no matter when you should pass away, your beneficiary will receive the death benefit. Also, for either type of life insurance, the death benefit will pass to your beneficiaries, income tax free.

Permanent Life Insurance

Permanent Life Insurance covers you for your whole life. You should purchase Permanent Life Insurance if you have a life-long dependent or have an estate or business to protect. In some permanent plans, your money may collect in an account, and after a number of years, you may be able withdraw money, borrow cash, or surrender the policy and receive the surrendering value.

Temporary Life Insurance                        

Temporary Life Insurance, also known as Term Life Insurance, is a good option if you would like to have coverage for a certain period of time. On some temporary plans, you can be approved without a medical exam and in just a few days. Usually an individual will have this coverage during the most vulnerable time of their life. For instance, until the kids are grown and graduated from college, or your house has been paid off. The premiums are lower than the premiums of a permanent life insurance plan. One downfall of this type of plan is that it does not pay a death benefit if you outlive the term of the policy. You may be able to renew your plan once it expires, but your premiums will be substantially higher. There is another type of temporary insurance that refunds your money at the end, if you outlive the term of the plan. This is called a Return of Premium policy and may be a good option to consider.

Not Going Broke

“So how do I purchase Life Insurance without going broke?” First off, there are a number of factors to determine which plan is right for you and which plan you can afford. But in general terms, the route to go would be purchasing a Temporary Life Insurance policy. As stated before, the premiums are less than those of a permanent policy, and your family or dependents will also be protected during the length of the term.

Not for Everyone         

Buying Life Insurance is not for everyone. There may be no need to purchase it if you don’t have any dependents and have enough assets to cover your debt and the cost of dying. Death can very expensive, having to pay for the funeral, estate lawyer’s fees, etc. So, if you are unsure about the need to purchase a Life Insurance Plan, or would like to purchase one, please contact us. We would be happy to assist you with all of your questions and concerns.

Call MHG Insurance Brokers today at 954-828-1819 or visit us online at mhginsurance.com for help in selecting Life Insurance and other coverage to ensure you and your loved ones have the protection you need at every stage of life.

Let’s face it, traveling for business can be stressful. From packing and putting the final touches on your presentation, to worrying if you’ll make your meeting on time, there is a list a mile long of different scenarios, to-dos, and unexpected events that are sure to raise anyone’s blood pressure! Travelling internationally can add an additional layer of stress as well! With so many things on your mind, the last thing you need to worry about is uncertain travel details and what-ifs. Having a proper travel insurance plan can help ease that stress and let you focus on having a successful meeting.

The Unknown

People traveling abroad for business should have a good travel insurance plan for many reasons, especially for the unknown. Emergencies can happen anywhere, anytime, and most of the time there is no way to prepare for them, especially when you’re out of the country. Suppose you get into an accident and need emergency medical attention? Maybe second nature made you drive on the wrong side of the road, not being used to the driving laws of another country.

There are many other scenarios that can happen requiring emergency medical attention. Obviously, this is just one reason to get travel insurance no matter if you are traveling for business or leisure. Another unknown factor that you cannot prepare for, yet is very common when traveling abroad, is food poisoning. Food poisoning, unclean water, parasites, and changes in diet make gastrointestinal issues one of the most common medical threats that travelers face. Without travel insurance in place, expenses for treatment can be costly.

Trip Cancellation

It could be a waste of money if you don’t have travel insurance with trip cancellation coverage. For those that think it doesn’t happen, what if there was an unexpected storm that cancelled your flight? There are a plethora of reasons that a trip can be cancelled, and not many reasons why you shouldn’t have coverage for it, even for business trips.

24 Hour Assistance

Being in a foreign country can bring a lot of questions. Not knowing where to go, who to talk to, how to talk to them, etc. Having a 24/7 assistance line can give you peace of mind, once again letting you focus on your work, which is the most important part of a business trip. Also, many times when people travel for business, they are traveling alone. Knowing that you have someone to back you up and be there for you when in a foreign place can make things much easier on your mind as well.

Having proper travel insurance can help to limit your distractions and help you to have an efficient and successful business trip. Maybe having an eased mind will allow you to enjoy some of the sites while you are there! If you have any questions about your travel insurance plan, or are interested in purchasing a travel insurance plan for your next business or leisure trip please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. MHG has the insurance specialists to assist and advise you, your loved ones, group, or business, on all of your insurance needs. Safe travels!

Are you in the market for a new home? If so, there are some important things you should be doing to prepare yourself, before and after your purchase. First and foremost, buying a home is one of life’s greatest financial accomplishments. Getting approved for a mortgage is a daunting task, and those 30-40 days of the approval process can feel like a lifetime. However, once you sign those closing documents, you feel a sense of pride and joy that you were able to whether the storm, and now you can start this next chapter of your life as a homeowner! Now, just because you are done with the paper work, doesn’t mean you shouldn’t be thinking of steps you need to take in order to protect your investment. Life insurance can do just that and provide all of the coverage you need given your newly acquired asset.

Before Buying a Home

Purchasing a home is a major life decision, one that comes with an enormous amount of planning, budgeting, saving, and often forcing one to make lifestyle changes in order to be able to complete the action. If you aren’t required to have a lump sum of money to use as a down payment, count your blessings. However, no matter what route you go, it will be a challenge if you don’t have a good credit score.

Once you have your strategy in place in terms of the type of loan you are going to use, the down payment amount, and a good enough credit score, the fun part will begin. Ask anyone who has gone through the process of getting approved, and many will agree it is one of the more stressful experiences someone can experience.

After Buying a Home

So, you’ve made it to the finish line, you are officially a homeowner! Now what to do? Before you start to think about investing into your property, fixing the kitchen or adding a pool, you need to think about investing in yourself and your loved ones. You’ve just gone through an extensive process and have probably taken on an extreme amount of debt. What happens to that debt or the responsibility of paying it off if something happens to you?

A life insurance policy is a critical necessity for anyone who has debts they do not want to leave to their loved ones. Do yourself and your family a favor and protect your new investment. For example, if you just bought a house with a 30-year mortgage that was $250,000, for starters you may want to consider a 30-year term life insurance policy with a $250,000 benefit.

Preparing for the Future

The strategy of protecting your investments and assets with life insurance is something that you should be using in every facet of your life, not just when buying a home. Especially if you have a family or dependents. If you are not sure the amount you need, the type of policy to get, or what you can afford, our insurance specialists are here to help!

MHG is here to assist you and offer any advice and help we can in this exciting time in your life. If you have any questions, please contact us today at 954 828 1819 or visit mhginsurance.com. We have the insurance specialists to guide and assist you in finding the best insurance options for you, your family, and loved ones.

Let’s face it group insurance plan comes at a price, and there is a reason many smaller businesses with less than 50 employees elect not to offer a group plan since it is not required. However, not having a plan in place immediately makes your business less competitive when it comes to attracting the best talent to help you succeed. So, what if I told you that there are several options out there that can help you save money when it comes to offering your employees insurance benefits?

Fully-Insured vs. Self-Insured/Level Funded

Most groups with less than 100 employees are covered through Fully-Insured plans as it is the most traditional method of coverage. The premium paid to the insurance carrier is a fixed rate for the year based on the number of employees enrolled. The carrier is responsible for paying all claims while the covered member is responsible for paying copays, coinsurance and deductibles based on the plan benefits. Fully-Insured rates are based on the demographic make of the group (census), changes to that census, comparative rates within a geographic area and industry, and to a smaller degree the claims experience of the members. Any group with 2 or more employees will qualify for Fully-Insured plans (Groups with two employees cannot be a married couple).

Level Funded plan options are becoming increasingly common as more carriers are offering them, and more employers are seeing the advantages. Let’s be clear, not all groups qualify; acceptance is mainly based on the employees’ medical claims history, and carriers require a minimum participation higher than Fully-Insured. Level Funded plans are filed with the Department of Financial Services as “Self-Funded”. A true Self-Funded plan has an arrangement where the employer provides health care to the employees using the company’s own funds. Level Funded follows the same concept, but there is a stop loss in place for each employee on the plan to prevent any liability for the employer. A portion of the premium paid on a Level Funded plan is saved in a funding “pool” which is used to pay claims. After an employee uses a certain amount of the claims fund (amount varies depending on the carrier) stop loss kicks in and the carrier takes over the payment of claims for that employee for the remainder of the year removing that exposure from the employer’s remaining funding pool.

What Are the Advantages of Level Funded?

On average a business spends 7% to 9% of its budget on employee health care. If your group qualifies for Level Funded plans, it is possible that the rates may be better than Fully-Insured when comparing similar plan options. Yes, you can get money back at the end of the year! Carriers typically offer the group a specified percentage of the unused amount left from your funding pool at the end of the year. The reimbursement percentage varies depending on the carrier, and in some instances can be as much as 94%, which can be a significant amount. Carriers may also include additional features on a Level Funded plan not included on Fully-Insured options.

Are There Any Shortfalls on a Level Funded Plan?

Level Funded plans follow the federal mandate as it relates to continuation of coverage. Groups with 20 or more employees will be eligible for federal COBRA. Most Level Funded plans will not administer State Continuation (mini COBRA) for employers with less than 20 employees, this means these employees will not be eligible to continue coverage upon leaving employment.

Another area that may affect some employees is dependent coverage. In some states, such as Florida, Fully-Insured plans will allow dependent children to be covered up to age 30, while Level Funded plans will remove dependent children at age 26, which is the federal mandate. In addition, some benefits offered on Fully-Insured may not be offered on Level Funded.

What Option Is Best for Me?

MHG Insurance Brokers is a powerhouse team of experts specializing in Employee Benefits for small to medium sized groups. With a stellar 5-star Google review rating and an exceptional 96% client retention rate in our Employee Benefits Division, we possess the expertise the expertise to conduct a comprehensive analysis of your current plan's offerings. Our goal is to recommend a customized Employee Benefits package that maximizes your benefits while minimizing costs. Even if you don't currently have a group plan, we've got you covered! Our team can present a proposal for your group that may pleasantly surprise you. If you are ready to secure top-notch Employee Benefits, reach out to us at 954-828-1819 or visit our website at mhginsurance.com.

Each year at SeaTrade we reminisce about how much cruising has grown since its inception, but this year, the industry is on the cusp of one of its most massive growth spurts yet. In addition to the ongoing and constant introduction of new tonnage by the mass market heavyweights, this year multiple new players are about to introduce ships into service in the premium, luxury and expeditionary cruise sectors. Cruising always offered different options to the public however the pending industry growth and expansion of riverboats, luxury, expedition and other cruise experiences means that the future of cruising is all about diversity.

The technology, innovation and imagination of the industry continues to startle and amaze. Cruising has moved beyond baked Alaska, buffets and shuffleboard to tattoos, rollercoasters and polar expeditions! Indeed, today a cruise exists to suit every preference and (almost) no destination is out of reach. The wealth of cruising options available to the public is immense. Big ship, medium ship or small ship? Alaska, Asia, Europe, Galapagos, Antarctica or a world cruise? Family fun, reunion or romantic getaway? Theme cruises? Broadway and Vegas style entertainment? The cruise industry continues to diversify and grow and so does the consuming public’s choices and options for cruise experiences.

Notwithstanding all the enticing bells, whistles, gimmicks and innovations, every new cruise ship still requires officers and crew to serve its guests and safely operate the vessel. As cruise industry technology continues to advance, the need for certain specialized training amongst the crew increases. Training and investing time to educate crew is not an inexpensive matter. For every new LNG powered vessel and innovative technologies in bow thrusters, propulsion & emission systems mean additional training and certification amongst the crew is needed. The newest generation of cruise ships crosses the spectrum of small mega-yachts to multi-thousand passenger-ships akin to a small city. For a seafarer, this diversity implies totally different work spaces, conditions and operations, thus different training.

With the expansion of the luxury sector, this creates a demand for crew that can provide superior service. Luxury brands tend to attract a repeating loyalty base of customers who acknowledge and expect consistent superior service. Many luxury operators focus on the guest-crew ratio, aspiring towards one crew member per paying guest. However, this means that these seafarers must often do multiple tasks to make up for the lack of other crew. Not every crew member is capable of delivering high-end 5- or 6-star service. To this end many luxury operators have their own schools or programs devised to provide specialized service training for certain crew to meet the high demands of its customers.

Perhaps the biggest pending expansion in the cruise industry is within the expedition sector. Traditionally these types of voyages were entirely destination driven but bare bones minimal so far as service and cuisine. The new expedition ships boast 5- and 6-star service complete with helicopters, submarines, decompression chambers and expedition leaders. The high degree of technology, service & innovation encompassed in these new vessels combined with specialized polar navigation rules and remote, isolated and longer itineraries implies a further need for specialized training and certification amongst crew.

All the above implies that as the cruise industry continues to grow and diversify the training and education of seafarers will also diversify and as a result continue to be more complex and costly. Accordingly, cruise operators should look to protect the substantial investments they are making in their crew in order to train them for these diverse cruise experiences. The LNG engineer, the personal butler and the expeditionary team leader are all seafarers, each with a unique skill set relative to the vessel they are employed on. Having to replace any of these jobs can be challenging. Accordingly, each of these crewmembers should be viewed as an asset to be protected and retained.

As part of any employee retention strategy, the offering of employee benefits should be highly considered. Indeed, many existing cruise companies have taken their obligations under the Maritime Labour Convention (2006) seriously and already provide some crew with a basic benefit package that includes insurance and retirement account(s). The new entrants into cruising should definitely take note. The diversification of the industry will require diversification of crew. Competition for competent and diverse crew will only increase over time but providing a menu of benefits to your crew can help to ensure that they remain happy in the job, and able to contribute to the company’s future successes.

MHG offers a diverse package of benefits for seafarers. Come and see us at Seatrade, Booth 2349!

The cruise industry has always provided an amazing opportunity for those looking to travel as well as expand their career to something different from the norm. However, seafarers don’t simply step onto the gangway and into a job. A cruise operator must place substantial time and expense in sourcing, recruiting and training of its seafarers.

With the cruise industry currently on the verge of a massive expansion over the next 5-7 years, sourcing, recruiting, hiring, training, and ultimately retaining quality competent and qualified crew will be a critical factor for the successful cruise operator going forward. At last count, there was a minimum of 125 new cruise vessels on order. Remarkably, this growth expands across the spectrum of this industry, ranging from gigantic mass market behemoths to small, medium sized, luxury and expeditionary vessels. Accordingly, a conservative estimate of new seafarers to be sourced, hired, retained and required to crew this influx of diverse vessels is upwards of 150,000. With all this growth, and new cruise ships of all types and designs on the horizon, what steps have you taken to get yourself ready?

Crew Will Require More Specializations Than Ever Before

Not only will a plethora of new crewmembers be required, but the future of the cruise industry will entail more advanced crew specialization, including sectors that have never been seen before. The evolution of LNG (Liquid Natural Gas) power will necessitate new specialized technical education and training for engineers. Up to 40 new luxury vessels (and counting) implies a need for staff with a higher level of white glove, concierge service experience. The over 28 new expedition class vessels will look to combine LNG technology as well as luxury service, which will result in crew that may need to be specialized in several different areas to keep onboard staffing as low as possible given the smaller capacity of these ships. In short, the cruise industry overall will need to recruit, train, and retain a new generation of specialized seafarers.

How to Set Yourself Apart from the Competition

Retaining the best crew in the wake of industry expansion will only become more of a challenge as the demand for quality specialized crew becomes more competitive. Thus, having a long-term strategy in place for employee attraction and retention will be imperative. A happy and contented crew results in higher productivity, less turnover, and as a result, hopefully, increased revenue.

There are many factors that affect overall job satisfaction: working conditions, opportunity for advancement, workload & stress level, co-workers & management and of course financial reward. Increasingly though, financial reward cannot be limited to just money in the bank at the end of the month. The solution lies in an integrated employee benefits package; and this package takes on an increased level of importance as it not only affects the officer or crew member but potentially their dependents as well.

MHG Insurance offers different insurance solutions for many areas of business. Our years of experience in working with the marine industry can assist you in maximizing the overall value that a solid benefits package brings to the table. If you would like to discuss a rolling benefits strategy or are interested in purchasing health insurance for your officers and crew, contact us at mhginsurance.com or call us at +1 954 828 1819 or +44 (0) 1624 678668. Our insurance specialists have the knowledge and experience to assist and guide you to the best coverage for your budget. MHG Insurance will be at Seatrade Miami this year! Come see us at booth 2349!

Did you know MHG Insurance Brokers is offering Tour & Excursion Operators Legal Liability insurance, also known as Shore Excursion insurance? Here’s more about our program.

The Basics

Shore Excursion insurance is a package contingent liability program designed specifically for tour operators seeking to work with the cruise line industry. Depending on the nature of the business itself, the program offers three principal lines of insurance coverage that address the exposures of the operation in question.

1. Commercial General Liability- Responds to suits brought against you by third parties on the grounds of bodily injury and/or material damage caused by your negligence.

2. Contingent Watercraft Liability- Provides excess insurance coverage that sits on top of an underlying Protection & Indemnity (P&I) policy thereby increasing your overall limit of insurance.

3. Contingent Auto Liability- Provides coverage over and above any locally placed Commercial Auto policies for liability arising from the operation of your motor vehicles.

Highlights

· Includes worldwide jurisdiction, satisfying cruise line requirements.

· Limits up to $5,000,000 available.

· ‘A’ rated insurance carrier.

Types of Excursions / Tours that are Covered

The Shore Excursion insurance policy offers coverage for a wide variety of excursions and tours. Whether your company offers sightseeing, scuba, paddle boarding, parasailing, ziplining or ATV tours among other activities, we can help!

We Work for You!

Let us focus on your insurance so you can get back to running your business. Even with the best intentions, accidents happen and it is important to have the proper insurance coverage in place to appropriately cover the day-to-day risks that you face. As a trusted partner of the cruise lines, we have been providing insurance advice and guidance to the cruise industry for over 25 years. Not only do our dedicated insurance specialists have the knowledge and expertise to pair you with the right policy, but our team consists of staff who were once underwriters for Tour & Excursion Operators Liability and who ran shore excursion companies worldwide. Whether you are setting up a new business and purchasing a policy for the first time or already have a policy in place, we can help.

Having proper insurance is important in every aspect of life. Here at MHG Insurance, we offer a variety of different solutions for many industry sectors. From Yacht Crew insurance, Property & Casualty, Ocean Marine insurance to Individual and Group Health insurance, even Life Insurance, we offer a comprehensive suite of tailored products to protect you, your family and your business. If you are interested in purchasing a Tour & Excursion Operators Legal Liability Policy, or simply need some more information contact us at mhginsurance.com or call us at +1 954 828 1819 or +44 (0) 1624 678668. Our team of brokers have the knowledge and experience to consult with you on the best coverage for your budget and can also assist you with any insurance questions you may have.