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)