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 period
- Public & Products Liability: £2,000,000
- Goods 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 months
- Optional Loss of Licence Cover
- Optional Subsidence Cover
- Optional Legal Expenses Cover
Standard Policy Excess
- Standard £250
- Escape of Water £500
- Flood £250 (Dependent upon Postcode)
- Subsidence £1,000 (Dependent upon Postcode)
