Triton networks with MHG on July 6
Date(s) - Jul 6, 2016
06:00 pm - 08:00 pm
See you Wed., July 6 from 6-8 p.m. at 1600 SE 17th St #410, Fort Lauderdale (33316). Parking available on the first and second floors of the garage.
Learn more about MHG from Clayton Swart, a former yacht crew member and now MHG’s manager of business development.
So tell us about MHG. What does the company do?
We provide insurance guidance and programs to cruise lines, yacht management companies, owners, captains, crew and contractors around the world. We’re proud to say that we provide insurance for 20 percent of the world’s largest yachts.
In addition to our marine business, MHG also provides employer-sponsored health insurance plans to the local business community.
Is it better for a yacht to provide insurance or for a crew member to get their own individual policy?
That depends on whom you ask. Certainly, the yacht owner is better protected by having a group policy in place, because then everyone has the same coverage on board and the owner has better control of his/her potential liabilities. However, individual crew are often best served by having their own policy, because they can carry it with them from yacht to yacht without the risk of being uninsured between jobs.
Has Obamacare changed how you offer services?
The Affordable Care Act — also known as Obamacare — has basically made it more complicated for U.S. crew, because now they may need to have two different policies in order to satisfy their health care needs along with their duty to comply with the regulation as a U.S. taxpayer. The good news is that we have both U.S. and international plans available.
You have recently begun offering travel insurance. Tell us more about that.
We have travel policies for anyone traveling outside their home country. Plans can be purchased for trips as short as five days or up to 364 days. They are also available the same or next day, and can be applied for via our website or, of course, by contacting our office.
And you have expat insurance, too, right?
Yes, we have policies for land-based individuals or groups that are working/residing outside of their home country. For U.S. individuals and companies, it is important to be sure their health insurance plan includes coverage outside of the U.S., because most U..S plans do not.
We understand your 25th anniversary is coming up. Any special plans?
MHG is celebrating all year our longevity as an insurance broker, dedicated to the highest level of service to our clients in the marine industry and beyond. Additionally, we are keen to continue to advance our U.S. insurance divisions, which include life and health insurance offerings as well as property and casualty (business insurance).
Where’s the best place to learn more about crew insurance?
MHG has recently launched an updated website (mhginsurance.com), which is easy to navigate and allows users the ability to purchase certain types of insurance on their own time and without the need for consultation with us. Of course, we are always available to help and guide anyone looking for the various types of insurance that we offer if desired.
You used to work on yachts, didn’t you?
Yes, I did, and I loved it. I’m originally from South Africa and had no plans of leaving home but when the opportunity to work on boats came up, I jumped on it. For seven years, I worked on board motoryachts in various positions and later helped run a fleet of private fishing boats. I even had international health insurance coverage through MHG at one point.
But after meeting my wife and settling down, we made Ft. Lauderdale our home. From being crew, I did charter yacht sales for a few years and, for the past three years, have been with MHG as business development manager.
I know insurance can be confusing and even overwhelming, but as a former crew member and now an insurance professional, I’m able to relate to crew and understand their insurance requirements now and in the future after they leave the sea.
All Triton readers are welcome to join us as we network with MHG INsurance Brokers on July 6. No RSVP required. Just bring a smile and some business cards. (It is networking, after all. You’ll never know who you’ll bump into.)