Retail Package

The new DOA Package Policy provides a bespoke policy with cover extensions that are not found in most other policies. Our aim is to ensure our policy provides bespoke cover extensions that are of real value to our retail clients.

Here are some examples of cover provided on every DOA Package Policy:-

Non-damage denial of access - Most policies provide cover for loss of income following denial of access, but only to where property in the vicinity has been damaged by a defined peril. There is often no cover if a client is unable to trade due to access being closed or sealed off by the Police or other competent local authority following an incident to property nearby. The DOA Package Policy extends to include circumstances where the business cannot trade due to access being restricted or closed off by the Police or other competent local authority, up to £100,000.

Terrorism - Most policies will offer cover for terrorism as an optional cover. This will usually provide cover for property and business interruption following damage by terrorism. The DOA Package Policy also offers an optional extension to cover property and loss of income where such property is damaged by terrorism, however, If no such damage occurs, the DOA Package Policy includes an extension of cover under the Business Interruption section of the policy, to include loss of income due to closing down or sealing off of the business premises in response to control, prevent or suppress terrorism, up to £100,000.

Further details, click here.

The DOA Package Policy has been approved by three different insurance companies, allowing DOA to offer quotations on a wide range of retail trades, all under the same DOA Package Policy.

Trade sectors include:-


  • All trades considered


  • Restaurants
  • Public Houses
  • Takeaways


  • Hotels
  • Guest houses
  • Bed & Breakfasts

All policies now include the following:-

  • Property Damage All Risks
  • Loss of income - up to £750,000 with a 24 month indemnity period
  • Money - up to £5,000
  • Goods in transit - up to £3,000
  • Employers Liability - £10,000,000
  • Public Liability - £5,000,000
  • Products Liability - £5,000,000
  • Loss of Licence - £100,000
  • Legal Expenses - £100,000

Contact our commercial team on 01371 878564 for further details or to discuss how to obtain a quotation.

Please note that the above is an example of covers provided by the DOA Package Policy, effective for Policies with an inception date of 1st July 2018 or later. It should be noted that such covers might be varied or excluded in the Schedule, so please refer to the Policy Schedule and Policy Wording for full details on the cover provided.

Alternative sums insured or limits of cover can be considered.