Hospitality & Accommodation Insurance Specialist

Are you in need of a Hospitality & Accommodation Insurance Specialist? Then look no further, Riskfin – Financial and Management Services can assist you with Hospitality & Accommodation Insurance.

Because We DON’T:

  • We DON’T require that a disclaimer be signed by a guest.
  • We DON’T charge an additional premium for most extensions under the buildings and contents section and that includes subsidence and landslip.
  • We DON’T require a survey on most premises before risk is accepted.
  • We DON’T lose our focus with lots of different products.
  • We DON’T have policy holders, we have ? Tourism Ambassadors?.
  • We DON’T have forcible and violent entry requirements for theft.
  • We DON’T have power surge equipment restrictions on lightning and power surge claims.
  • We DON’T reduce the insured’s motor NCB or charge an excess if the motor accident/collision was not the insured’s fault due to our NO BLAME BONUS. (excluding any vehicles over R500,000)
  • We DON’T charge for geyser cover if the buildings are insured with us.
  • WE DON’T limit the value of geysers.
  • WE DON’T IGNORE THE INDUSTRY WE SERVE.

Because We DO:

  • We DO cover both the personal and business portions of the establishment without having to split the values.
  • We DO have liability limits of up to R100m written by major liability underwriters at Lloyd?s of London.
  • We DO provide premium discounts for any membership of accommodation associations in South Africa and for owners of 50 years of age.
  • We DO provide cover for TAX and CAP legal Costs up to R300,000 in defending the insured against matters arising from a Tax or CPA claim against the insures at a small additional premium.
  • We DO provide cover for Loss of Revenue following murder, rape, suicide or any attempt, loss of revenue following any violent event at a establishment, loss of revenue following a cancellation of any event and loss of revenue following death, by any means, of a key member of the establishment and many other risks associated with a running B&B or Guesthouse.
  • We DO have a section that includes cover for certain electrical and plumbing problems, plus cover for appliance maintenance and auto assist and is automatically included.
  • We DO provide money cover for R7, 500 under the contents section and R5,000 under all risk section at no cost.
  • We DO automatically include guest?s effects cover up to limit R25, 000 under the Buildings and Contents section.
  • We DO automatically include Accidental Damage cover up to a limit of R20,000 under the Building and Contents section.
  • We DO automatically include Bilking cover up to a limit of R25, 000 per event in terms of the Contents section.
  • We DO automatically include Fidelity and Accounts Receivable cover up to R10,000

Should you require more information on Hospitality & Accommodation Insurance contact Riskfin today!

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Funeral Cover

 Funeral Cover is essential. However, not many people think about getting a funeral policy until you need to arrange a funeral.

A funeral can easily cost from R5000 upwards, even R40 000 or more. The problem is not everyone has immediate access to that type of money. The estate might take a while to be wound up (this sometimes takes weeks, or months).

You can choose from a selection of funeral plans. A plan that could fit in with your budget and covers what is needed most. Before making a choice think about what you need from funeral cover. Do you need it to cover just your life, or an extended family.

If you need good advice on getting the right funeral cover, please contact us. We can offer a range of policies for you to select from.

Contact Riskfin today to find out more about Funeral Cover.

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Riskfin Tombstone Policy

After the death and the funeral of a loved one, the Tombstone policy helps the family to pay their final respects to the deceased, by getting a Tombstone.

OPTION 1: TOMBSTONE IS AVAILABLE TO FAMILIES OF THE GROUP FROM OUR NATIONAL PANEL OF SUPPLIERS.

 

The following cover is available:

  • Main Member: 100 %
  • Spouse: 100 %
  • Children 14 – 21: 100 %
  • Children 7 – 13: 50 %
  • Children 1 – 6: 25 %

ALL MEMBERS MUST BE UNDER 65.
SIX MONTHS WAITING PERIOD APPLICABLE IF NOT A COMPULSORY GROUP
UNNATURAL DEATH WILL PAY OUT.
NO COMMISSION INCLUDED.

OPTION 2: TOMBSTONE POLICY IS AVAILABLE TO THE MEMBER AND SPOUSE OF THE GROUP FROM OUR NATIONAL PANEL OF SUPPLIERS.

The following cover is available:

  • Main Member: 100 %
  • Spouse: 100 %

AVAILABLE TO ALL MEMBERS AND INDIVIDUALS UNDER 65 YEARS.
SIX MONTHS WAITING PERIOD APPLICABLE IF NOT A COMPULSORY GROUP
UNNATURAL DEATH WILL PAY OUT.
NO COMMISSION INCLUDED.

OPTION 3: TOMBSTONE POLICY IS AVAILABLE TO THE MAIN MEMBER AND SPOUSE (FOR PEOPLE OVER 65) OF THE GROUP FROM OUR NATIONAL PANEL OF SUPPLIERS.

The following cover is available:

  • Main Member: 100 %
  • Spouse: 100 %

POLICY IS FOR JOINING AGE BETWEEN 65 AND 84.
SIX MONTHS WAITING PERIOD APPLICABLE IF NOT A COMPULSORY GROUP
UNNATURAL DEATH WILL PAY OUT.
NO COMMISSION INCLUDED.

Need to know more about Riskfin Tombstone Policy? Contact Us today!

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Short Term Insurance

What is Short Term Insurance? Insurance in short is the protection against loss. It is a form of risk management. The risk is hedged against an uncertain loss.

A premium is asked by the insurer for taking on the risk. The amount of the premium depends on the risk. The risk is determined, and a premium is worked out.

The insured receives an insurance policy. This policy details the terms and conditions of the agreement.

In case of an loss, or unexpected event, the insurer compensates the client.

You get different types of insurance:

  • Short term insurance
  • Long term insurance
  • Life insurance
  • Car insurance
  • Key person insurance
  • Income protection
  • and many more types.
To find out more about Short Term Insurance contact Riskfin today.
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AIDS Treatment Funeral Product

The AIDS Treatment Funeral Product has been broken into various components that will allow an organisation to complete a complete employee benefits programme, including the provision of a comprehensive HIV solution tailored to meet its own individual needs. The programme is also designed to form part of the overall employee benefits menu including Group Life, Provident Fund etc – contact us for more details.

What are the advantages of AIDS Treatment Funeral Product?

Care Centre

  • Care Centre providing unlimited access and counselling service 24-hour, 365 days a year.
  • The Care Centre employ qualified HIV specialist medical practitioners, sisters and nurses
  • All calls are treated confidentially.
  • All calls made to care centre are recorded for members security
  • Advice relating to drug adherence
  • Provide member with details of the closest facility at which they can purchase the Antiretroviral Therapy
  • Telephonic counselling when the member feels the need to discuss any related issues.

To find out more about the AIDS Treatment Funeral Product contact Riskfin today.

Posted in AIDS Treatment Funeral Product, Funeral, Funeral Cover, Funeral Plan, Funeral Policy, Funeral Schemes | Tagged , , | Leave a comment

Short Term Insurance

Short Term Insurance

Short Term Insurance

What is insurance? Insurance in short is the protection against loss. It is a form of risk management. The risk is hedged against an uncertain loss.

A premium is asked by the insurer for taking on the risk. The amount of the premium depends on the risk. The risk is determined, and a premium is worked out.

The insured receives an insurance policy. This policy details the terms and conditions of the agreement.

In case of an loss, or unexpected event, the insurer compensates the client.

You get different types of insurance:

Contact Riskfin today for more information on Short Term Insurance.

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Need Medical Aid?Need Medical Aid?

Registered Medical Aid

Registered Medical Aid

Are you concerned for huge medical expenses? Or what about if are in an accident and you need proper medical care, without a decent medical aid, at most you will be taken to an unprofessional facility?

Riskfin is a registered independent brokerage and can assist you to make the right choice if you need to choose a medical aid. They deal with more than one registered medical scheme and can help you with free quotes.

The benefit of using a broker is to assist you to choose the best option for your needs. Our friendly team can assist with queries like unpaid claims and so forth. It saves the member the frustration waiting for the call center for assistance.

For more information regarding the correct medical aid for you, contact Riskfin now.

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