Commercial Property Owners

Commercial Property
Owners

Available under our ARO and ARO PLUS brands:

Underwritten by Allied World, this is Aro’s original commercial property owner’s product and legal expense cover.

Underwritten by Brit, this product covers a wide range of commercial tenant types.

For risks:

  • Which are commercial properties including: retail, catering, offices,  warehousing
  • For up to 2 million Total Sum Insured

ARO PLUS Key Benefits

  • We offer Buildings only or Building and Contents combined
  • Backed by ‘A’ rated capacity
  • Commercial properties with residential element acceptable as standard
  • Listed Buildings accepted (Grade 2)

What is Covered

MDBI max Sum Insured: £2,000,000Includes Contents max Sum Insured: £50,00025% Day One Uplift on Declared ValuePOL: £2,000,000 or optional £5,000,000

Minimum Premiums

Buildings Only

Retail/Office £200 + IPT + £25 fee

Buildings & Contents

Retail/Office £225 + IPT + £25 feeCover for Temporarily unoccupied property (full cover up to 30 days on mid-term unoccupancy)

Optional Cover

Optional Accidental Damage coverOptional Loss of rent cover up to a maximum indemnity period of 24 monthsOptional Employers Liability Cover

Standard Policy Excess

Standard £250Escape of Water £500Flood £250 (Dependent upon Postcode)Subsidence £1,000 (Dependent upon Postcode)

ARO PLUS Key Benefits

  • We offer Buildings only or Building and Contents combined
  • Backed by ‘A’ rated capacity
  • Commercial properties with residential element acceptable as standard
  • Listed Buildings accepted (Grade 2)

What is Covered

MDBI max Sum Insured: £2,500,000Includes Contents max Sum Insured: £50,00025% Day One Uplift on Declared ValuePOL: £2,000,000

Minimum Premiums

Buildings Only

Retail/Office £250 + IPT + £25 feeLow Manufacturing/Warehouse £350 + IPT + £25 feeMedium Manufacturing/Warehouse £500 +IPT + £25 fee

Buildings & Contents

Retail/Office £275 + IPT + £25 feeLow Manufacturing/Warehouse £375 + IPT + £25 feeMedium Manufacturing/Warehouse £525 +IPT + £25 feeCover for Temporarily unoccupied property (full cover up to 30 days on mid-term unoccupancy)

Optional Cover

Optional Accidental Damage coverOptional Loss of rent cover up to a maximum indemnity period of 36 months

Standard Policy Excess

Standard £250Escape of Water £500Flood £250 (Dependent upon Postcode)Subsidence £1,000 (Dependent upon Postcode)
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