Marine General Liability Liability for all marine-related businesses. Marine General Liability Marine General Liability (MGL) differs from standard Commercial General Liability (CGL) in that MGL covers loss of/damage to property while in the insured’s care, custody and control. Whether you are a ship repairer performing alterations on a vessel or a stevedore loading and unloading cargo from a ship, it is critical that you carry the correct type of insurance. MHG has extensive experience in writing tailored liability coverage for all types of marine trades and marine artisans that is fully compliant with the requirements of the cruise line industry. CONTACT A MARINE INSURANCE SPECIALIST TODAY
Marine Employers Liability Accidents happen. Protect your business and your employees. Marine Employers Liability Marine Employers Liability, also known as MEL, provides coverage for the employees of a maritime employer while working on non-owned or operated vessels. Once a vessel has left the dock and is navigating under its own power, State Act Workers Compensation does not apply, and the USL&H coverage will be insufficient. MEL is a critical form of insurance protection as it satisfies the maritime employer’s obligations under The Jones Act to compensate an injured seaman for “Transportation, Wages and Maintenance & Cure”. CONTACT AN MARINE GENERAL LIABILITY INSURANCE SPECIALIST TODAY
Open Cargo Coverage from point A to point B. Open Cargo Widely considered an aid to international commerce, Open Cargo is a type of freight insurance policy that covers an entire shipment from shipping point to its final destination. Any party that has an insurable interest in the conveyance of cargo has a need for an Open Cargo policy. MHG has considerable expertise in designing insurance solutions that meet the individual needs of importers, exporters, manufacturers, wholesalers, and retailers by fully covering the inventory during its transportation or while temporarily stored at a warehouse location. CONTACT A MARINE INSURANCE SPECIALIST TODAY
Bumbershoot For marine-related companies requiring additional coverage. Bumbershoot A Bumbershoot policy is a type of Umbrella Liability coverage that is designed specifically to insure marine-related risks but may also include non-marine risks. It provides excess coverage over and above various underlying policies such as Marine General Liability, Marine Employers Liability, and Protection & Indemnity. CONTACT A MARINE INSURANCE SPECIALIST TODAY
Tour & Excursion Operators Liability For companies seeking to work with the cruise lines. Tour & Excursion Operators Liability Tour & Excursion Operators Liability, also known as Shore Excursion Insurance, is a package contingent liability program designed specifically for tour operators wanting to work with the cruise line industry. Depending on the type of excursion, the program offers three principal lines of insurance coverage that address the exposures of your operation including Commercial General Liability, Contingent Watercraft Liability, and Contingent Auto Liability. CONTACT A CRUISE LINE INSURANCE SPECIALIST TODAY
Charter Liability Insurance Protect your vessel and your crew. Charter Liability Insurance A Charter Liability policy can be used to help indemnify the charterer against the legal liabilities, cost, and expenses that could arise during the charter of a yacht or cruise vessel. Often, a charter agreement is signed without considering that the charterer can be held liable if there is damage to the ship, yacht or injuries to passengers during the charter. The owner of the vessel may or may not have coverage at the time of the charter depending on the terms of their insurance policy and the terms of the charter agreement. Damage to the hull, interior furnishings, tenders, and other equipment are just some of the items that a charterer may be held responsible for during the charter. CONTACT A CHARTER YACHT INSURANCE SPECIALIST TODAY
Marine Crew Insurance Marine Crew Insurance plans for captains, officers, crew, and fleets. Marine Crew Insurance Marine Crew Insurance is more than a necessity, it’s a reward for the industry’s best employees. Show your crew how much you value them by offering insurance specific to their needs. Marine Crew Insurance typically offers coverage for marine-related risks including continuous coverage on and off the vessel, emergency evacuation/repatriation, winter and water sports coverage, and maternity and dependent options to name a few. Additionally, these plans offer simple billing and plan administration. Whether your group works onboard a cruise ship or yacht, our Marine Crew Insurance Specialists will guide you through different plan options to suit your specific coverage requirements or you can View All Marine Plans to explore them on your own. Individual plans are also available. CONTACT A MARINE INSURANCE SPECIALIST TODAY
Marine Crew Insurance with a U.S. Style Benefit Structure Offering the benefits of a worldwide marine-specific plan with a U.S. style benefit structure. Marine Crew Insurance with a U.S. Style Benefit Structure Whether your vessel is U.S. flagged, you employ mostly American crew, or prefer a U.S.-based insurance plan, we can help! At MHG, we understand the unique health insurance needs of those working at sea. Our Marine Crew Insurance Specialists can match you with a plan that offers both the benefits of a worldwide marine-specific plan with U.S. features. These plans are designed specifically for yacht crew and typically offer continuous coverage on and off the vessel, emergency evacuation/repatriation, winter and water sports coverage, maternity and dependent options. With no medical underwriting, adding crew is quick and simple. These plans are available to all yacht crew, regardless of nationality. CONTACT A MARINE INSURANCE SPECIALIST TODAY
Disability Income Protection Keep your officers and crew financially secure in case of sickness or accidents. Disability Income Protection In a marine environment, injuries such as a broken ankle or a torn knee ligament could land a crew member shoreside or prevent them from returning to work. With no income coming in, and medical bills piling up, a group disability plan can help mitigate employer liability while offering crew the peace of mind of knowing that a portion of their income would be protected should they become sick or injured and unable to work. Our Marine Crew Insurance Specialists will help you choose the best plan for your crew and lead you through key features. CONTACT A MARINE INSURANCE SPECIALIST TODAY
In a marine environment, injuries such as a broken ankle or a torn knee ligament could land a crew member shoreside or prevent them from returning to work. With no income coming in, and medical bills piling up, a group disability plan can help mitigate employer liability while offering crew the peace of mind of knowing that a portion of their income would be protected should they become sick or injured and unable to work. Our Marine Crew Insurance Specialists will help you choose the best plan for your crew and lead you through key features. CONTACT A MARINE INSURANCE SPECIALIST TODAY
Personal Accident/ AD&D Often considered as a supplement to life insurance for those working in dangerous environments. Personal Accident/ AD&D Regardless of the amount of safety training and precautions you take as a company or vessel, accidents happen. Seafarers work in environments where accidents and injuries are more likely to occur such as the confirmed spaces of a yacht or cruise ship. Protect your crew with an Accidental Death & Dismemberment (AD&D) and/or Personal Accident policy. These plans are well suited for captains, officers, and crew with worldwide coverage regardless of nationality or occupation. Whether you are considering a group plan or an individual plan, the application process is quick and simple. Our Marine Crew Insurance Specialists are available to guide you through each plan's options. CONTACT A MARINE INSURANCE SPECIALIST TODAY
Travel Insurance When you're ready to make a move, MHG has you covered. Travel Insurance MHG Insurance Specialists are well known for securing insurance coverage for captains, officers, and crew both on board and onshore. But, what about when you are between contracts? Travel insurance can cover you during these times. Travel insurance can also cover friends and family visiting a crew member. Travel insurance is versatile, affordable, and easy to purchase for when the title "Crew Member" doesn't apply. Our Insurance Specialists are available to guide you through each plan's options. Or you can CONTACT A MARINE INSURANCE SPECIALIST TODAY
Vacation Medical Insurance for Cruise Line Officers and Crew Allow your crew to return to work fit and healthy, and with a sense of being valued. Vacation Medical Insurance for Cruise Line Officers and Crew Vacation medical coverage is a great way for cruise line employers to introduce Health Insurance to their group. Seen as a huge benefit, vacation medical coverage allows crew to visit the doctor or hospital if they are sick or injured while on leave, allowing them to return to work on time and with a clean bill of health. Vacation medical plans are easy to administer, and premiums tend to be lower than a traditional, full-time major medical plan. Additionally, our cruise line clients have boosted retention by guaranteeing that employees continue to have Medical Insurance while on leave. View All Marine Plans to explore this plan further. CONTACT A MARINE INSURANCE SPECIALIST TODAY
Travel Insurance for Marine Contractors, Concessionaires, and Entertainers When you need flexibility with your coverage. Travel Insurance for Marine Contractors, Concessionaires, and Entertainers Most marine contractors, concessionaires, and entertainers working on board are not covered under the ship’s insurance. To fill this gap, MHG has plans with coverage both on and off the vessel, for short-term or full-time contracts, and for groups or individuals. Our plan options are widely accepted by major cruise lines and ideally suited for contractors, concessionaires, and entertainers working in a range of positions such as full or part-time lecturers, guest hosts, carpenters, art auctioneers, doctors, and welders to name a few. Contact our Marine Crew Insurance Specialists to get started or you can View All Marine Plans to explore them on your own. CONTACT A MARINE INSURANCE SPECIALIST TODAY
Group Retirement for Cruise Line Officers and Crew Recruit and retain the industry’s best by offering better packages than the rest. Group Retirement for Cruise Line Officers and Crew Retirement Savings is one of the most popular components of a successful benefits package. Today, not only are seafarers wanting to invest in their future, but they are also interested in how employers are planning to invest in their future. The days of joining a company and progressing through the ranks until retirement are becoming increasingly rare, with officers and crew changing companies and choosing future employers based on the strength of the entire compensation package offered. The Marine Crew Insurance Specialists at MHG have years of experience providing guidance and designing retirement plans to cruise industry clients. We can help you build a cost-effective plan to help recruit, retain, and motivate staff while providing maximum value for each dollar spent. CONTACT A MARINE INSURANCE SPECIALIST TODAY