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: £2,000,000
- Includes Contents max Sum Insured: £50,000
- 25% Day One Uplift on Declared Value
- POL: £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 fee
- Cover for Temporarily unoccupied property (full cover up to 30 days on mid-term unoccupancy)
Optional Cover
- Optional Accidental Damage cover
- Optional Loss of rent cover up to a maximum indemnity period of 24 months
- Optional Employers Liability Cover
Standard Policy Excess
- Standard £250
- Escape of Water £500
- Flood £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: £2,500,000
- Includes Contents max Sum Insured: £50,000
- 25% Day One Uplift on Declared Value
- POL: £2,000,000
Minimum Premiums
Buildings Only
- Retail/Office £250 + IPT + £25 fee
- Low Manufacturing/Warehouse £350 + IPT + £25 fee
- Medium Manufacturing/Warehouse £500 +IPT + £25 fee
Buildings & Contents
- Retail/Office £275 + IPT + £25 fee
- Low Manufacturing/Warehouse £375 + IPT + £25 fee
- Medium Manufacturing/Warehouse £525 +IPT + £25 fee
- Cover for Temporarily unoccupied property (full cover up to 30 days on mid-term unoccupancy)
Optional Cover
- Optional Accidental Damage cover
- Optional Loss of rent cover up to a maximum indemnity period of 36 months
Standard Policy Excess
- Standard £250
- Escape of Water £500
- Flood £250 (Dependent upon Postcode)
- Subsidence £1,000 (Dependent upon Postcode)
