Retail Package
Available under ARO PLUS brand:
Underwritten by BRIT, this product covers a wide range of retail trades
For Risks
- With business activities including: catering, retail, opticians & barbers
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
Maximum Material Damage/BI Total Sum Insured per location: £2,500,000 (Maximum BI Sum Insured 24 Month Indemnity Period)Standard Business Interruption Sum Insured £1,000,000 12 month indemnity periodPublic & Products Liability: £2,000,000Goods In Transit (Own/Haulier Vehicles): £2,500 (with option to increase to £5,000)Deterioration of Refrigerated Stock: £2,500 (with option to increase to £5,000)Unlimited Glass cover
Minimum Premiums (Vary by Trade Risk Category)
Risk Category: Low: £250 (Aro Policy Fee £40)Risk Category: Medium: £500 (Aro Policy Fee £40)Risk Category: High: £750 (Aro Policy Fee £40)Cover for Temporarily unoccupied property (full cover up to 30 days on mid-term unoccupancy)Optional Cover
Optional Loss of rent cover up to a maximum indemnity period of 24 monthsOptional Loss of Licence CoverOptional Subsidence CoverOptional Legal Expenses Cover
Standard Policy Excess
Standard £250Escape of Water £500Flood £250 (Dependent upon Postcode)Subsidence £1,000 (Dependent upon Postcode)
