Welcome to Commercial Express. Issue 1

Transcription

1 Welcome to Commercial Express. Issue 1

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3 Contents Please click to view section. Welcome letter Who we are Our Values Our Senior Management Team Our Insurers Property Owner s Guide Liability Guide Our Commercial Combined Schemes Our SME Schemes Our Catering, Event & Caravan Schemes Meet the Teams Our Training Academy Our Claims Relationship Manager Our Telephonist Our Online Trading System ASSIST Our Awards Our Commissions Our Charity Testimonials p4 p5 p7 p9 p11 p15 p24 p34 p37 p47 p58 p64 p65 p65 p66 p67 p68 p69 p70 3

4 Dear Agent, A warm welcome from Commercial Express The Commercial Express proposition is based on us understanding your business and vision and then complimenting it with a service that is second to none. The quality of our people and the way in which they perform their roles, the service they provide and knowledge they offer are the reasons why so many agents wish to work with us. As a successful insurance provider we work closely with a select number of insurers with the aim of providing customers with a range of quality products. We encourage innovation and as a result of continual investment in technology, our online system is a market leading platform. In addition to this we pride ourselves on our ground breaking Training Academy, which provides development opportunities for all of our customers. The Commercial Express proposition and support infrastructure is market leading and unique, within the UK insurance market and we are also proud to have achieved Investors in People Gold. Our aim is to become the best MGA in the UK market. We are delighted you are taking this journey with us and look forward to working with you. Duncan Pritchard Managing Director 4

5 Who we are We are insurance partners who care about the service we provide. What we do We offer a wide and flexible product range with competitive quotations. Why we do it We want to be the agent s first choice and a brand they truly rely on and advocate. 5

6 Our history Founded in 1999 Commercial Express has earned a reputation for providing insurance brokers, intermediaries and associations with a range of quality products, from experienced and skilled underwriters. We have a wide distribution network that includes in excess of 1,000 retail intermediaries & insurance agents. Our mission Our mission is to offer the best solutions and service possible so we re the smart choice and first choice for our customers. Our vision Our vision is to set a new benchmark for service, in order to become one of the most respected brands in the industry, and known and trusted by the end consumer. 6 6

7 Our Values. We re here when you need us. We visit our agents at times convenient to them to ensure a healthy and beneficial relationship for both parties. Increased training. Our staff have been trained to deliver the best possible customer service and we ll continue to train all departments as we continue to grow. Dedicated teams. We now have dedicated teams working on each insurance category, which means customer enquiries are answered correctly and without delay. More face-time. We get to know our agents and build relationships that last. We get to know our agents and discuss mutually beneficial ways to help improve their accounts. We re always available when you need to see us in person. More listening. Our new and improved brand and business direction is based on customer feedback and we ll continue to listen to find further ways we can improve. 7

8 Back to contents Our People Values. Our Culture is warm and friendly with a can do attitude. We Communicate effectively to ensure transparency. Trust & Support builds long term Relationships with our internal & external partners. Innovation is encouraged & supported in our people, products & technology. Investment in performance through training & development. Personal & Professional in our approach. 8

9 Our Senior Management Team. The Commercial Express Senior Management Team (SMT) are responsible for the smooth running of the business and the implementation of the short term strategy. Their duties include the continual development of our insurance offering, the training and coaching of our people and ensuring our high levels of customer service are maintained at all times. The SMT have one goal, which is for Commercial Express to become the best Managing General Agent in the UK market. Duncan Pritchard Managing Director Duncan works closely with the Senior Management Team to drive the growth and strategic development of Commercial Express. His focus is to establish the long term vision of the company and ensure the right people are recruited for the job and thereby deliver our promise to our agents. Duncan is an entrepreneur with a passion for business, whose qualities include leadership, forward thinking and determination. 9

10 Kristian Bartlett Regional Sales Manager Kristian has over 15 years experience working within the insurance industry. Kristian oversees our team of Account Managers and his passion has always been to invest quality time in people, to drive growth and achieve record numbers. Kristian s goal is to deliver productivity and performance, whilst ensuring the personal approach and high levels of service remain. kbartlett@commercialexpress.co.uk Clare Nash HR & Operations Manager Clare has over 22 years experience in management positions. Her role at Commercial Express makes her responsible for the operational organisation of the company. She is responsible for resourcing employees along with employee development. Clare is a people-person and loves involving staff and making everyone smile around the office. Clare is passionate about Investors in People. cnash@commercialexpress.co.uk Kellie Stephens Underwriting Service Manager Kellie has worked in insurance for 23 years, most recently as the Operations Manager with AXA Commercial Birmingham branch for 4 and 1/2 years. She was drawn to Commercial Express ambitious growth plans and how the company clearly cares about it s people. Kellie is driven to improve service and results and has a rounded knowledge of the lifecycle of insurance, from buying, renewals, to servicing, collecting premiums and making a claim. kstephens@commercialexpress.co.uk 10

11 Our Insurers. Insurers Ratings Insurer Financial Strength S&P or AM Best Lloyd s of London Aviva A+ S&P No AXIS Managing Agency Ltd - Syndicate 1686 and 2007 A+ S&P Yes DTW 1991 A+ AM Best Yes Great Lakes (Owned by Munich RE) A+ AM Best No HSB Engineering Insurance Company Limited (Owned by Munich RE) A+ AM Best No Channel Syndicate 2015 at Lloyd s A S&P Yes Argo Insurance A AM Best No Covéa Insurance A S&P No Insurers Summary Aviva provides around 31 million customers worldwide with insurance, savings and investment products. We are the UK s largest insurer and one of Europe s leading providers of life and general insurance. We combine strong life insurance, general insurance and asset management businesses under one powerful brand. We are committed to serving our customers well in order to build a stronger, sustainable business, which makes a positive contribution to society, and for which our people are proud to work. At a glance - our key statistics: One global brand 31 million customers worldwide Over 300 years of heritage AXIS Syndicates 1686 and 2007 We offer speciality insurance and reinsurance through AXIS managed Syndicates 1686 and 2007 at Lloyd s. As a Lloyd s Corporate Member, AXIS Corporate Capital UK Limited provides capital for the Syndicate. We underwrite property, casualty, professional lines, marine, energy, aviation, terrorism, surety, cyber, environmental, political risk, credit risk and others, including coverage provided through MGA arrangements. 11

12 Our Insurers. DTW1991 DTW1991 is a specialist Lloyd s syndicate focusing on delegated underwriting authority business. Established in January 2013, DTW1991 are underpinned by a diverse capital structure supported by both trade and private capital. With a focus on the Lloyd s Binding Authority market the syndicate has a strong underwriting discipline supported by a fresh approach to the management of delegated authority business. The syndicate benefits from Lloyd s A.M. Best rating of A, and a Standard & Poor s rating of A+. We work with a limited number of carefully selected coverholders, those who demonstrate underwriting expertise and proven capabilities in specialist products, niches, and territories. DTW1991 provides property, liability and specialist sports and leisure products, predominantly to small and medium-sized enterprises in the US, UK and International. Channel Syndicate 2015 at Lloyd s The Channel Syndicate is led by a strong management team, supported by experienced underwriters selected from the Lloyd s and London markets. The Channel Syndicate 2015 at Lloyd s is managed by The Channel Managing Agency, a fully authorised Lloyd s Managing Agency, wholly owned by SCOR. The syndicate started underwriting in 2011 and has now significantly expanded and diversified. We have a strong service focus: our underwriters are accessible and empowered to make decisions and work collaboratively with clients to meet their most complex insurance needs. Our success is built on the quality of our people, our customer focus and our financial strength. The Channel Syndicate is supported by SCOR (the world s fourth largest reinsurer, rated AA- by the leading international rating agencies). SCOR provides 100% of the capital to the Channel Syndicate. The SCOR Group writes premiums of 14.8bn, of which Property & Casualty is 6bn and is structured around three hubs (Americas, EMEA and Asia-Pacific) Great Lakes Insurance SE ( GLISE ) is a German insurance company based in Munich and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht, the Federal Financial Supervisory Authority of Germany. GLISE is a fully owned subsidiary of Munich Re Group and acts as a specialist provider of insurance 12

13 Our Insurers. services and the preferred facilitator of insurance business. It enjoys the same strong rating and financial strength of the Munich Re Group: A+ (Superior) as rated by A.M. Best and AA- (Very strong) by S&P. Great Lakes have permanent establishments in the United Kingdom (London), Switzerland (Baar), Italy (Milan), Australia (Sydney) and New Zealand (Auckland). We are the UK s only company solely focused on engineering insurance and inspection services. With underwriting that covers a broad range of technologies and industry sectors, we have the knowledge to show you how, together with HSB, you can stay ahead of emerging risks in a complex world. HSB Engineering Insurance (HSB) draws on over 150 years of technical risk knowledge and experience a rich heritage and firm footing that gives us the ability to lead the market in identifying and underwriting evolving engineering risks. Today, as a proud member of the Munich Re Risk Solutions family, we are continuing our tradition of excellence in technical knowledge and commitment to clients in a wide range of industries including construction, renewable energy and manufacturing as well as leisure, retail, commercial and public sectors. As part of Munich Re, HSB itself rated A++ (Superior) by A.M. Best Company has the added support and resources of one of the world s most experienced and stable insurance and reinsurance companies. With shared values and complementary skill sets and offerings, we have the ability to combine a global knowledge base with our local presence across the UK and Ireland to develop and deliver innovative, forward-thinking risk solutions. We are showing our clients how, together with HSB, they can manage risk in a complex and evolving world. Within the UK we operate as Covéa Insurance offering commercial, motor, high net worth, property and protection insurance. We also offer life and critical illness products through Covéa Life and administration services are provided to many high street brands through Sterling Client Services Ltd. Together, we re part of the French mutual insurance group Covéa and as a result of its financial strength, the Covéa group has attained a Standard and Poor s A+ Stable rating. Covéa Insurance served over 1.5 million policyholders, generating 666 million in premiums in

14 Our Insurers. Argo s UK operation is called ADL, (Argo Direct Ltd) they are regulated by the FCA and benefit from an AM Best rating of A (excellent) this adds further value to our A rated consortium. ADL are a subsidiary of Argo Group International Holdings and form part of the Argo Group of companies. Argo are keen to utilise their European platform where appropriate as an alternative to their Lloyd s of London platform. The ongoing development of the European platform is a key part of their future strategy. Having both a Lloyd s and a European company platform allows Argo to respond quickly and efficiently to the specific needs of partners whilst not compromising standards or appetite in a changing market environment. 14

15 Property Owner s Guide. 15

16 Meet Our Team Our team is dedicated to providing the best products and the best service for our agents. Peter Reed Senior Property Owners Underwriter As an underwriter, Peter specialises in Property Owners policies at Commercial Express. Before joining the team as an underwriter, Peter collected a wealth of experience at Swinton Insurance, Footman James and Coversure. Peter s commitment to offering the best possible service to agents is reflected in his genuinely helpful nature and commitment to always getting the job done. preed@commercialexpress.co.uk Brook Poxon Property Owners Underwriter Brook comes to us after 4 and half years of working at a successful Commercial brokerage. Brook s experience of dealing with new business enquiries, renewals and MTA s across Property Owners, SME & Catering business makes him a great new addition to the underwriting team. Brook enjoys the fast-paced underwriting environment and building rapport with our agents, day in, day out. bpoxon@commercialexpress.co.uk Claire Willis Property Owners Underwriter Claire has been in the industry just under 9 years. She spent just under 5 years at Endsleigh where she worked in customer services for household, motor and student possessions policies. She spent the last 4 years at a Lloyds broker, Bennett Gould and Partners (BGP) where she was an account handler, on non-standard household risk binders underwriting risk for brokers. Claire wanted to work for CE to increase her knowledge and experience in an underwriting role. cwillis@commercialexpress.co.uk Andrew Fisher Property Owners Underwriter Andrew has been in the insurance industry for over 3 years all within nonstandard motor insurance. He started off as a new business sales agent, then a claims analyst, but has now been underwriting for the past year and a half. He has always been in non-standard motor insurance, by joining CE it gave him the opportunity to branch out into a new class of insurance. afisher@commercialexpress.co.uk 16

17 Residential Property Owners Policy Schemes: Lloyd s AXIS & Channel Syndicate 2015 at Lloyd s Offering affordable cover for Residential Landlords of single or multiple properties with our Residential Property Owners Policy. Benefiting from a panel arrangement and tailored specifically for residential dwellings, our three landlord schemes provide the essential components to ensure that your client s property is protected. Features common to both schemes - Accidental Damage to buildings is automatically included for professionals, students and DSS (Non referrals) - Property Owner s Liability 2,000,000 LOI - Loss of Rent 20% building sum insured, or up to 150,000 alternative accommodation except for unoccupied properties - Trace and Access up to 5,000 - Accidental Damage to cables & underground services - Loss of Metered Water 2,500 any one claim, maximum 5,000 anyone period of insurance - Index linking in the event of a claim - Unauthorised use of utilities cover up to 5,000 - Capital Additions - 10% of the building sum insured or 250,000 whichever is less alters the building without your knowledge - 5,000 in anyone period of insurance (not available if the building is unoccupied) - Damage caused by malicious persons authorised to be in any part of the building is unlimited subject to a satisfactory tenants reference, otherwise cover is limited to 5,000 Optional Extensions - Option to extend Property Owner s Liability to 5,000,000 LOI - Differing degrees of cover available when unoccupied - Legal Expenses up to 25,000 - Rent Guarantee cover up to 30,000 - Emergency Assistance up to Terrorism cover available (AXIS scheme only) - Landscaped gardens - following damage by emergency services 5,000 in anyone period of insurance - Removal of wasp and bee nests - 1,000 in anyone period of insurance ( 50 excess applies) - Illegal cultivation of drugs - clean up costs and remedial work in reinstating your building back to it s original condition if the tenant 17

18 Residential Property Owners Policy Scheme: Lloyd s Economy AXIS Simple and straightforward protection providing affordable cover for residential landlords with our Residential Property Owners Policy. Features - Basic cover - Property Owner s Liability 1,000,000 LOI - Capital Additions - 10% of the building sum insured or 250,000 whichever is less - Property Owner s Liability 1,000,000 LOI Optional Extensions - Legal Expenses up to 25,000 - Rent Guarantee cover up to 30,000 - Emergency Assistance up to Terrorism cover available - Index linking in the event of a claim - Landscaped gardens - following damage by emergency services 5,000 in anyone period of insurance - Removal of wasp and bee nests - 1,000 in anyone period of insurance ( 50 excess applies) 18

19 Commercial & Industrial Property Owner s Policy Scheme: Lloyd s AXIS Designed to provide Buildings, Landlord s Fixture & Fittings, Loss of Rent protection and Property Owner s Liability for properties tenanted by high street trades, with our Commercial & Industrial Property Owner s Policy. Trades include offices, shops, restaurants, pubs, takeaways and unoccupied properties. Everything you need to make sure your clients are covered when it matters. Features - Property Owner s Liability 2,000,000 - Loss of Rent up to 20% of the sum insured or up to 150,000 alternative accommodation unless unoccupied - Trace and Access up to 5,000 Optional Extensions - Option to increase Property Owner s Liability to 5,000,000 LOI - Wider cover available for unoccupied properties - Terrorism cover available - Accidental Damage to cables & underground service - Pro rata cancellation subject to minimum time on risk charge - Loss of Metered Water 2,500 any one claim, maximum 5,000 any one period of insurance - Unauthorised use of utilities up to 5,000 - Capital Additions - 10% of the building sum insured or 250,000 whichever is less - Illegal cultivation of drugs - clean up costs and remedial work in reinstating your building back to it s original condition if the tenant alters the building without your knowledge - 5,000 in anyone period of insurance (not available if the building is unoccupied) - Cover limited to 5,000 for damage caused by malicious persons authorised to be in any part of the buildings 19

20 Commercial & Industrial Property Owner s Policy Scheme: Lloyd s The Channel Syndicate 2015 at Lloyd s Providing cover for Buildings, Contents and Loss of Rent protection for commercial & industrial properties, tenanted or owner occupied, your clients get everything they need with our Commercial & Industrial Property Owner s Policy. With more than 600 trades specifically covered and a first class policy wording it is easy to see why our Industrial Property Owner s policy is a popular choice for our agents. Features - Property Owner s Liability 2,000,000 LOI - The cost of replacing external locks following theft of keys up to 1,000 - Trace and Access costs up to 5,000 - Unauthorised use of utilities up to 10,000 - Loss of Metered Water 2,500 any one claim, maximum 5,000 any one period of insurance Optional Extensions - Book Debts available up to a limit of 100,000 - Option to include Property Owner s Liability to 5,000,000 LOI - Wider levels of cover available for Unoccupied Properties - Cover limited to 5,000 for damage caused by malicious persons authorised to be in any part of the buildings - Damage to landscaped gardens up to 25,000 - Accidental Damage to cables & underground service - Pro rata cancellation subject to minimum time on risk charge 20

21 Short Term Unoccupied Policy Give your clients different options that suit them when their property is most at risk with our Short Term Unoccupied Policy. Overview - Ideal for residential properties that are going through probate, being sold or are being renovated for owner occupation - Choose from 3, 6 or 9 month periods of Insurance Insurer cover comparison AXIS Channel Landlord s Contents available Yes Yes Option to extend Property Owner s Liability to 5,000,000 No Yes Restriction on the term of unoccupancy prior to inception 5yrs 3yrs Pipe Lagging discount available No Yes Features - Fire, Lightning, Aircraft, Explosion, Storm, Flood, Subsidence, Landslip and Heave - Property Owner s Liability 2,000,000 (or 5,000,000 with Channel) Benefits - Cover available for unoccupied properties pending sale and renovation - Trace and Access up to 2,500 - Loss of Metered Water: limit 2,500 anyone claim, maximum 5,000 anyone period of insurance - Loss or damage caused by emergency services - 1,000 anyone period of insurance 21

22 Landlord s Contents Policy Landlords renting out properties that are fully or part furnished need look no further with our Landlord s Contents Policy. At Commercial Express we understand that arranging landlord s insurance can be a time consuming exercise. For this reason we have introduced a product that will easily meet your client s insurance requirements and deliver when it matters. Overview - Minimum premium 50 - Flats above commercial premises are acceptable - Accidental Damage available if let to professionals - Caters for tenants including professionals, students and those on unemployment, disability or housing benefit, plus unoccupied properties Features - Cover is available on a New for Old basis for Loss or Damage Benefits - Policy Excess 50 - Loss of Metered Water Optional Extensions - Legal Expenses up to 25,000 22

23 Tenants Contents Landlords cannot be held responsible for insuring tenants personal possessions. Get the cover tenants need with our Tenants Contents Policy. Features - Contents sum insured up to 100,000 - Valuables covered at 15% of the Contents sum insured with a limit of 1,500 anyone item (unless 100,000 is selected Damage to Valuables limited to 35% of the Contents Sum Insured stated in the Schedule with a limit of 5,000 any one item) - Standard Excess at Loss of Rent cover up to 20% contents sum insured (limited to 2,000) for up to 1 months rent 23

24 Liability Guide. 24

25 Meet Our Team Our team is dedicated to providing the best products and the best service for our agents. Warren Gibbs Liability Underwriter Warren has over 15 years experience in the industry. He s a team player who strives to make our agents experiences with Commercial Express as straight forward as possible. Specialising in SME and Liability, Warren s vast experience and sound knowledge of the market make him an essential part of the Commercial Express team. wgibbs@commercialexpress.co.uk Zarrar Tariq Liability Underwriter Zarrar has worked in the insurance industry for over 13 years, writing a whole host of commercial insurance classes of business. He thrives on developing great relationships with our agents in order to deliver an MGA that offers a seamless journey, and at the same time providing great solutions for their clients. ztariq@commercialexpress.co.uk Richard Wilson Liability Underwriter Richard has over 17 years experience in the industry working on SME and mid market products, mostly on Combined, Property and Liability Cover. Richard has joined Commercial Express to be part of a dynamic and expanding company. He is excited to learn from his colleagues and experience a new challenge. rwilson@commercialexpress.co.uk 25 Sally Scott Liability Underwriter Sally has over 13 years experience as a Commercial Underwriter and her technical knowledge is concentrated in Property Owners, SME, package and Commercial Combined. A team player, Sally always focuses on customer service. Sally enjoys the opportunity to work with a wide network of agents and the best part of her role is building effective working relationships by problem solving and finding solutions for customers insurance needs. sscott@commercialexpress.co.uk

26 Liability (Per Capita) Policy Liability (Per Capita) is quickly becoming one of the strongest liability schemes for small businesses in the market. Get great protection for your clients with our Liability (Per Capita) Policy. Liability (Per Capita) provides the ideal cover for small businesses in over 300 trades with up to 10 employees. Features - Public & Products Liability available up to 10,000,000, excluding use of heat - Bona Fide Sub Contractors included FREE of charge, for annual payments up to 100,000 - Unsatisfied Court Judgements - Products Liability, anywhere in the world (other than USA/Canada) - Indemnity to other persons including Directors, Employees and Principals as standard - Includes cover for Cross Liabilities - Defence costs for breaches or alleged breaches of Part 1 of the United Kingdom Health & Safety at Work Act 1974 and any offence under Part II of the Consumer Protection Act 1987 and/or Part II of the Food Safety Act 1990 included subject to the underwriters providing consent - Includes Compensation for Court Attendance - Cover for claimants costs, fees and expenses following a sudden, identifiable, unintended and unexpected pollution incident occurring in its entirety at a specific time and place - Includes Motor contingent liability - Housing Grants, Construction and Regeneration Act Applies to process of adjudication or decision pursuant to the Act Optional Extensions - Employers Liability cover up to 10,000,000 - Up to 25% Republic of Ireland work subject to UK jurisdiction - Tools and Stock cover available 26

27 Liability (Wages & Turnover) Policy With no limit on the number of employees or turnover and including Bona Fide Sub Contractors free of charge for annual payments up to 100,000, this scheme provides cover for over 250 trades. Protect your clients with Liability (Wages & Turnover). This facility provides the policyholder with a fully flexible policy that has no restriction on the size of the business. Features - Public & Products Liability available up to 10,000,000, excluding use of heat - No limit on the number of employees or turnover - Bona Fide Sub Contractors included FREE of charge, for annual payments up to 100,000 - Clerical employees included FREE of charge if non clerical occupation - Unsatisfied Court Judgements - Products Liability, anywhere in the world (other than USA/Canada) - Indemnity to other persons including Directors, Employees and Principals as standard - Includes cover for Cross Liabilities - Defence costs for breaches or alleged breaches of Part 1 of the United Kingdom Health & Safety at Work Act 1974 and any offence under Part II of the Consumer Protection Act 1987 and/or Part II of the Food Safety Act 1990 included subject to the underwriters providing consent - Includes Compensation for Court Attendance - Cover for claimants costs, fees and expenses following a sudden, identifiable, unintended and unexpected pollution incident occurring in its entirety at a specific time and place - Includes Motor contingent liability - Housing Grants, Construction and Regeneration Act Applies to process of adjudication or decision pursuant to the Act Optional Extensions - Employers Liability cover up to 10,000,000 - Up to 25% Republic of Ireland work subject to UK jurisdiction 27 - Contractors All Risk

28 Land Liability Policy This caters for land including fields, private roads, moorlands, pastures, woodland and development land. Get the right protection with our Land Liability Policy. Exclusively designed to cover your policyholder s legal liability for injury to third parties due to negligence in connection with the ownership of the land. Features - Land Owners Liability available up to 5,000,000 - Can accommodate plots of land which contain water courses - Wide variety of trades accepted including development sites and private roads Benefits - Includes cover for Cross Liabilities - Includes Compensation for Court Attendance - Cover for claimants costs, fees and expenses following a sudden, identifiable, unintended and unexpected pollution incident occurring in its entirety at a specific time and place Optional Extensions - Property Owners Liability for unoccupied buildings on the land 28

29 Market Traders Policy Designed specifically for both indoor and outdoor market traders, selling is easy with our Market Traders Policy. Offering heavily discounted liability premiums, and covering over 130 different trades, our Market Traders Policy keeps everyone happy and satisfied. Features - Public / Products Liability cover available up to 5,000,000 Optional Extensions - Employers Liability up to 10,000,000 - Ancillary online sales - Up to 25% Republic of Ireland work subject to UK jurisdiction Benefits - Products Liability, anywhere in the world (other than USA/Canada) - Worldwide cover for non-manual employees normally resident in the UK who are temporarily working overseas - Indemnity to principal as standard - Includes cover for Cross Liabilities - Liability cover in respect of the Defective Premises Act - Data Protection Act 1998 Defence Costs - Liability cover for leased or rented premises - Defence costs up to 50,000 any one occurrence of any prosecution or incurred in connection with appeal against conviction arising from Health and Safety at Work Act 1974 or the Health and Safety at Work (Northern Ireland) Order 1978 or the Corporate Manslaughter and Corporate Homicide Act 2007 and criminal proceedings brought for a breach of Part II of the Consumer Protection Act 1987 and Sections 7 and 8 of the Food Safety Act 1990 subject to the underwriters providing consent - Includes Compensation for Court Attendance - Unsatisfied Court Judgements - Motor Contingent liability 29

30 Hobby & Club Policy Specialist liability cover for organisations where members meet to discuss and/or participate in activities related to the club type (does not include sports clubs). Get the specialist cover your client needs with our Hobby & Club Policy. As the facility covers up to 250 members for Employers Liability, Public and Products Liability 5m limit of indemnity, and the policy automatically includes member-tomember cover. Features - Public & Products Liability up to 10,000,000 - Employers Liability 10,000,000 - Member to member cover included - Includes Professional Indemnity up to 25,000 for most types of club Optional Extensions - Material Damage available offering cover for up to 5,000 worth of items owned by the club anywhere in the world Benefits - Worldwide cover for non-manual employees normally resident in the UK who are temporarily working overseas - Indemnity to other persons including Directors, Employees and Principals as standard - Includes cover for Cross Liabilities - Defective Premises Act Data Protection Act 1998 Defence Costs up to 100,000 any one claim - Includes cover for Wrongful Arrest - Defence Costs in respect of the Consumer Protection Act 1987, Food Safety Act 1990, Health and Safety at Work and Corporate Manslaughter with Insurers consent - Includes Compensation for Court Attendance - Unsatisfied Court Judgements - Cover for claimants costs, fees and expenses following a sudden, identifiable, unintended and unexpected pollution incident occurring in its entirety at a specific time and place - Motor Contingent liability 30

31 Contract Cleaners Policy Liability cover and extensions for a wide variety of trades including carpet & upholstery, contract cleaners, motor and domestic window cleaners. Choose from a range of covers with our Contract Cleaners Policy. Provides tailored cover for cleaning companies including Treatment Cover and Misuse of Telephones as standard. Features - Public & Products Liability cover available up to 5,000,000 - Employers Liability up to 10,000,000 - Turnover rated and no limit on the number of employees - Treatment cover up to 30,000 FREE of charge - Misuse of telephones up to 5,000 FREE of charge - Bona Fide Sub Contractors included FREE of charge Optional extensions - Financial Loss available up to 30,000 - Lock and/or Key Replacement available up to 30,000 - Business Equipment & Stock cover can be added Benefits - Worldwide cover for non-manual employees normally resident in the UK who are temporarily working overseas - Indemnity to principal as standard - Includes cover for Cross Liabilities - Liability cover in respect of the Defective Premises Act - Data Protection Act 1998 Defence Costs - Liability cover for leased or rented premises - Defence costs up to 50,000 any one occurrence of any prosecution or incurred in connection with appeal against conviction arising from Health and Safety at Work Act 1974 or the Health and Safety at Work (Northern Ireland) Order 1978 or the Corporate Manslaughter and Corporate Homicide Act 2007 and criminal proceedings brought for a breach of Part II of the Consumer Protection Act 1987 and Sections 7 and 8 of the Food Safety Act 1990 subject to the underwriters providing consent - Includes Compensation for Court Attendance - Unsatisfied Court Judgements - Motor Contingent liability - Up to 25% Republic of Ireland work subject to UK jurisdiction 31

32 Contractors All Risk Policy Contractors All Risk is available as a section extension under the Liability (Wages & Turnover) scheme or as a stand-alone product under the Liability heading when using the online system. The Contractors All Risk product is available under the Liability tab. For small to medium sized contractors, cover for Contract Works, Owned Plant, Hired in Plant and Employees Tools & Personal Effects, your clients are covered with our Contractors All Risk Policy. Designed to provide protection for works during the contract period and benefiting from a contract limit up to 1,500,000 our Contractors All Risk Policy gives you the tools to protect your client s investment. Features - Contract Works available in isolation - Contract Limit available up to 1,500,000 Optional Extensions - Owned Plant available on an All Risks basis - Hired in Plant available on an All Risks basis - Employees Tools & Personal Effects used on site/adjacent to the site - Free issue materials for which the insured is responsible for Benefits - Contract Works on or adjacent to the site of any Contract and whilst in Transit covered on an All Risks basis up to handover and 14 days thereafter where required by Contract days additional cover beyond completion for private dwelling houses - 12 month maintenance period for visits and defects liability - Automatic cover for show houses and contents, subject to a limit of 50,000 for contents of any one show house - Automatic cover for dismantling, demolition, removal of debris and clearing of drains - Automatic cover for professional fees. - Covers clerical costs for rewriting plans, drawings or other contract documents if damaged up to 25,000 - Covers continuing hiring charges for which you are liable following an incident. - Legal expenses cover for Hired in Plant, provided we have consented in writing 32

33 A few facts and figures about our Liability Schemes Public Liability Limit of Indemnity on our Per Capita and Wages & Turnover facilities Up to 10 Million if heat is used the maximum available is 5 million Contingent Liability for BFSC included free of charge for annual payments up to: 100,000 Contractors All Risk extension applies to Wages and Turnover only Quote to Sale Conversion on our Liability (Per Capita) 29.05% Quote to Sale Conversion on our Liability (Wages & Turnover) 32.59% Average referral time: 14 minutes 33

34 Our Commercial Combined Schemes. 34

35 Meet Our Team Our team is dedicated to providing the best products and the best service for our agents. Erin Pugh Senior Commercial Combined Underwriter Erin specialises in Commercial Combined underwriting and is renowned for her ability to build authentic and lasting partnerships with agents. Her previous industry-experience at Zurich gives her a methodical approach to underwriting and she continually strives to do her utmost to discuss needs and find effective solutions. epugh@commercialexpress.co.uk Karen Horton Commercial Combined Underwriter Karen specialises in Commercial Combined Insurance working previously for Zurich. Karen was drawn to Commercial Express because of its ambitious growth plans and feels it s going to be an exciting place to work. khorton@commercialexpress.co.uk 35

36 Commercial Combined Policy This scheme provides a broad policy offering cover for more complex risks that do not fit within our package range. Tailored to individual business requirements you get the cover you need with our Commercial Combined Policy. Features - Building - Stock - Business Interruption - Glass - Money - Goods in Transit - Specified Items All Risks - Deterioration of stock - Employers Liability - Public and Product Liability Benefits - Competitive premiums from 500. We can also quote for MD or Liability in isolation - Work away cover available for selected trades - Tailored policy offering with fully adjustable limits - Backed by A rated insurers - Online submissions accepted - Exclusivity, one quote to market - Sensible underwriting approach, all quotes are rated by an underwriter - Option to include up to 25% Republic of Ireland work subject to UK jurisdiction - Increased panel of insurers for more flexibility To speak to our team of experts call us on

37 Our SME Schemes. 37

38 Meet Our Team Our team is dedicated to providing the best products and the best service for our agents. Lee Roberts SME Underwriter Lee has been working in the finance industry for 4 years, previously including RBS, Towergate and QBE. He is focused on doing a great job and building strong relationships with our agents. Lee values the career opportunities that Commercial Express offer in terms of assistance in gaining his Cert and increasing his experience within the underwriting sector further. lroberts@commercialexpress.co.uk Tom Cartwright SME Underwriter Tom has over 5 years experience working in the insurance industry, including over 3 years experience in catering insurance. He is very passionate about providing a first class service and building successful relationships with brokers. Tom is extremely approachable and encourages any agent to pick up the phone for any queries relating to his products. tcartwright@commercialexpress.co.uk 38

39 Shop Policy Offer your clients cover for a wide variety of retail outlets and an insurance package to suit their needs with our Shop Policy. Features - Stock cover - Contents cover - Business Interruption - Money - Goods in Transit - Book Debts - Frozen Food - Employer s Liability - Public & Products Liability - Loss of Metered Water 2,500 any one claim, maximum 5,000 anyone period of insurance - Landscaped gardens - following damage by emergency services 1,000 in anyone period of insurance - Trace and Access up to 2,500 - Capital Additions - 10% of the building sum insured or 250,000 whichever is less. 10% of trade contents for fixtures and fittings or 100,000 whichever is less - Replacement of locks and keys following theft or damage 1,000 anyone claim - Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January - Rent Payable - up to 25% of the contents sum insured - Rent Receivable Optional Extensions - Buildings cover available as an optional extension - Glass, Canopies & Signs available up to a limit of 10,000 - Loss of Licence cover available up to a limit of 100,000 - Legal Expenses as an optional extension - ATM money cover available - Work away considered on referral - Terrorism available as an optional extension 39

40 Office Policy Designed for many types of offices, this has been created to meet the needs of professional businesses, from accountants to solicitors and estate agents to travel agents. You get the cover you need with our Office Policy. Features - Contents & Business Equipment cover - Business Interruption - Money - Goods in Transit - Book Debts - Employer s Liability - Public & Products Liability - Loss of Metered Water 2,500 any one claim, maximum 5,000 anyone period of insurance - Landscaped gardens - following damage by emergency services 1,000 in anyone period of insurance - Trace and Access up to 2,500 - Capital Additions - 10% of the building sum insured or 250,000 whichever is less. 10% of trade contents for fixtures and fittings or 100,000 whichever is less. - Replacement of locks and keys following theft or damage 1,000 anyone claim - Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January - Rent Payable - up to 25% of the contents sum insured - Rent Receivable Optional Extensions - Buildings cover available as an optional extension - Glass, Canopies & Signs available up to a limit of 10,000 - Legal Expenses as an optional extension - Terrorism available as an optional extension 40

41 Office (Material Damage Only) Policy This product covers many types of offices without the extra cost of Employer s and Public Liability cover. Get the cover you need for your small or medium sized business with our Office (Material Damage Only) Policy. Features - Contents & Business Equipment cover - Business Interruption - Money - Goods in Transit - Book Debts - Loss of Metered Water 2,500 any one claim, maximum 5,000 anyone period of insurance - Landscaped gardens - following damage by emergency services 1,000 in anyone period of insurance - Trace and Access up to 2,500 - Capital Additions - 10% of the building sum insured or 250,000 whichever is less. 10% of trade contents for fixtures and fittings or 100,000 whichever is less. - Replacement of locks and keys following theft or damage 1,000 anyone claim - Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January - Rent Payable - up to 25% of the contents sum insured - Rent Receivable Optional Extensions - Buildings cover available as an optional extension - Glass, Canopies & Signs available up to a limit of 10,000 - Household Goods available up to a limit of 20,000 - Legal Expenses as an optional extension - Terrorism available as an optional extension 41

42 Guest House & Hotel Policy From a small family run guesthouse to larger hotels, we can offer a comprehensive policy to suit every hotelier and B&B owner. Get the cover you need with our Guest House & Hotel Policy. Features - Stock cover - Contents cover - Business Interruption - Money - Goods in Transit - Book Debts - Frozen Food - Employer s Liability - Public & Products Liability - Loss of Metered Water 2,500 any one claim, maximum 5,000 anyone period of insurance - Trace and Access up to 2,500 - Capital Additions - 10% of the building sum insured or 250,000 whichever is less. 10% of trade contents for fixtures and fittings or 100,000 whichever is less - Replacement of locks and keys following theft or damage 1,000 anyone claim - Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January - Rent Payable - up to 25% of the contents sum insured - Rent Receivable - Damage to garden furniture Up to a maximum of 500 any one claim including theft - Landscaped gardens - following damage by emergency services 1,000 in anyone period of insurance Optional Extensions - Buildings cover available as an optional extension - Household Goods available up to a limit of 20,000 - Loss of licence available up to a limit of 100,000 - All Risks UK or Worldwide available as an optional extension - Legal Expenses as an optional extension - Terrorism available as an optional extension 42

43 Public House Policy Tailored to provide cover for items such as damage to premises and stock, and protect against liability claims. You get specialist cover for licenced trades with our Public House Policy. Features - Stock cover - Contents cover - Business Interruption - Money - Goods in Transit - Book Debts - Frozen Food - Employer s Liability - Public & Products Liability - Loss of Metered Water 2,500 any one claim, maximum 5,000 anyone period of insurance - Trace and Access up to 2,500 - Capital Additions - 10% of the building sum insured or 250,000 whichever is less. 10% of trade contents for fixtures and fittings or 100,000 whichever is less - Replacement of locks and keys following theft or damage 1,000 anyone claim - Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January - Rent Payable - up to 25% of the contents sum insured - Rent Receivable - Landscaped gardens - following damage by emergency services 1,000 in anyone period of insurance Optional Extensions - Buildings cover available as an optional extension - Damage to garden furniture Up to a maximum of 500 any one claim including theft - Household Goods available up to a limit of 40,000 - Loss of licence available up to a limit of 100,000 - All Risks UK or Worldwide available as an optional extension - Legal Expenses as an optional extension - Liability can be extended to cover childrens play areas - Outside catering extension available 43 - Terrorism available as an optional extension

44 Fast Food & Restaurant Policy Ideal for takeaways including fish and chips shops, coffee shops, sandwich bars and restaurants, you can serve up the cover your clients need with our Fast Food & Restaurant Policy. Features - Stock cover - Contents cover - Business Interruption - Money - Goods in Transit - Book Debts Benefits - Outside Caterers cover available as an optional extension - Buildings Cover available as an optional extension - Glass, Canopies and Signs available up to a limit of 5,000 - Loss of licence available up to a limit of 100,000 - Legal Expenses as an optional extension - Terrorism available as an optional extensions - Frozen Food - Employer s Liability - Public & Products Liability 44

45 Wholesale Policy Designed to cater for wholesalers and distributors who operate from high street premises or industrial units, you re covered when it matters most with our Wholesale Policy. Features - Stock cover - Contents cover - Business Interruption - Money - Goods in Transit - Book Debts - Frozen Food - Employer s Liability - Public & Products Liability - Loss of Metered Water 2,500 any one claim, maximum 5,000 anyone period of insurance - Trace and Access up to 2,500 - Capital Additions - 10% of the building sum insured or 250,000 whichever is less. 10% of trade contents for fixtures and fittings or 100,000 whichever is less - Replacement of locks and keys following theft or damage 1,000 anyone claim - Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January - Rent Payable - up to 25% of the contents sum insured - Rent Receivable - Landscaped gardens - following damage by emergency services 1,000 in anyone period of insurance Optional Extensions - Buildings cover available as an optional extension - Theft damage to buildings 10% of trade contents sums insured - Loss of licence available up to a limit of 100,000 - Legal Expenses as an optional extension - Terrorism available as an optional extension 45

46 Dry Cleaners & Launderettes Policy This specialist policy provides cover for the wide range of risks that could affect Dry Cleaners and Launderettes. Get comprehensive cover with our Dry Cleaners & Launderettes Policy. Features - Stock cover - Contents cover - Business Interruption - Money - Goods in Transit - Book Debts - Frozen Food - Employer s Liability - Public & Products Liability - Loss of Metered Water 2,500 any one claim, maximum 5,000 anyone period of insurance - Landscaped gardens - following damage by emergency services 1,000 in anyone period of insurance - Trace and Access up to 2,500 - Capital Additions - 10% of the building sum insured or 250,000 whichever is less. 10% of trade contents for fixtures and fittings or 100,000 whichever is less - Replacement of locks and keys following theft or damage 1,000 anyone claim - Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January - Rent Payable - up to 25% of the contents sum insured - Rent Receivable Extensions automatically included - Customer Goods Extension 150,000 & 2,500 single article limit. Option to increase to 250,000 customer goods and 4,000 single article limit - Process Damage to Customers Goods - Incorrect Garment Extension Optional Extensions - Buildings cover available as an optional extension - Glass, Canopies & Signs available up to a limit of 10,000 - Legal Expenses as an optional extension - Process damage including leather, suedes and furs as an optional extension 46 - Terrorism available as an optional extension

47 Our Catering, Event & Caravan Schemes. 47

48 Meet Our Team Our team is dedicated to providing the best products and the best service for our agents. Luke Hanson Catering, Event & Caravan Underwriter Luke began working in the insurance industry in 2005, previously working at Aon/Footman James and most recently The Insurance Factory. Luke is the most recent member to join the catering team and is looking forward to developing his role at Commercial Express. He brings both knowledge and experience to the underwriting team and enjoys speaking to agents on a daily basis. lhanson@commercialexpress.co.uk Matt Cheadle Catering, Event & Caravan Underwriter Matt joins the team from Arthur J Gallagher and has over 4 years insurance experience including catering, tradespeople, commercial property and liability. He enjoys working with agents to ensure the best service is provided. mcheadle@commercialexpress.co.uk Giuseppe Cosenza Apprentice Giuseppe is our first ever apprentice here at Commercial Express. Before he joined he was studying Medicinal Chemistry at the University of Liverpool. As an apprentice he spends his time watching the other members of the underwriting team. He is also studying for his CII qualifications. He was interested by the company s ambitious nature and growth over the last few years. 48

49 Outside Caterer Policy Fundamentally a liability product tailor-made with optional extra s to suit the business needs for any mobile or outside caterer. Features - Public & Products liability cover up to 10,000,000 - Employers Liability cover up to 10,000, Loss of Money & 500 Loss of Stock cover as standard Optional Extras - Increase Public & Products liability up to 10,000,000 at no additional cost when the turnover is under 200,000 - Portable Catering Equipment. (such as hog roasts, potato ovens and generators) - Stock Deterioration Following Refrigeration Breakdown cover - Business Interruption Cover - Up to 25% Republic of Ireland work subject to UK jurisdiction - Increased indemnity limits for money and stock cover Benefits - Event organiser s schedule included with policy document - Unlimited number of employees covered under the Employers Liability section of the policy - Money, Stock and equipment (when selected) is covered on an all risks basis anywhere within UK - Defence costs for breach or alleged breach of Part II of the Food Safety Act

50 Catering Trailer Policy Market leading insurance coverage for catering trailers and static units with optional covers. Features - All Risks Cover - New for Old Cover for Catering Trailers Aged up to 3 years old - Cover Extends to when the Catering Trailer is kept overnight at an Event or Show - Cover Available for Airstreams, Teardrops & Retro Rockets Converted into Catering Units Optional Extras - Public, Products & Employers Liability up to 10,00,000 - Generator Cover, subject to being bolted to a sliding platform fitted to the Catering Trailer - Stock in Trade Cover - Non-fixed Contents Cover - Stock Deterioration Following Refrigeration Breakdown Cover - Loss of Money Cover - Business Interruption Cover - Legal Expenses Cover Excess Available Benefits - Unlimited Amount of Employees Covered under the Employers Liability Section - Multiple Catering Trailers under the same policy - Defence costs for breach or alleged breach of Part II of the Food Safety Act 1990 covered under liability sections 50

51 Catering Van Policy Specialised Commercial Vehicle insurance designed for the catering industry including hot food vans, ice cream vans and all other vans designed to distribute food and drink. Features - The All Important 3 F s: Fixtures, Fittings & Fire Cover - Mirrored NCD Benefits - Up to 4 Vehicles on one Policy - Free Breakdown Cover under Aviva - Mid-term Laid Up Cover - Any Driver 25+ Available - Protected NCD Available 51

52 Single Event Policy Our single event insurance is ideal for one-off events from small private celebrations to larger public events including fêtes and exhibitions. Features - Public Liability cover up to 10,000,000 - Cover for events with up to 10,000 visitors, we can consider more on referral - Public Liability section will cover Food and drink supplied for consumption at the event - Public liability also covers non-professional exhibitor Optional Extras - Employer s liability up to 10,000,000 - Equipment cover up to 20,000 - Cancellation, abandonment and postponement cover up to 10,000 52

53 Multi Event Policy Our tailored multi event insurance covers up to 45 events per year, which can include different event types. Including over 150 trades. Multi Event provides a complete solution for organisers. Features - Public Liability insurance up to 10,000,000 - Cover for events with up to 5,000 visitors, we can consider more on referral - Cover for up to 45 events per annum - Public Liability section will cover Food and drink supplied for consumption at the event - Public liability also covers non-professional exhibitors /stallholders Optional Extras - Employer s liability up to 10,000,000 - Equipment Cover up to 20,000 53

54 Exhibitors Policy Whether indoor or outdoor, Exhibitors is the insurance solution for individuals or businesses that set up a stand, kiosk or table at any kind of event. Features - Public Liability cover up to 10,000,000 Optional Extras - Employers liability up to 10,000,000 - Equipment cover up to 10,000 - Annual quotation available - Cancellation, Abandonment & Postponement cover available 54

55 Trailer Policy This exclusive product is designed to insure a wide range of trailers including horseboxes. Get quick and easy trailer insurance with our Trailer Policy. Features - New for Old cover for trailers up to 3 years old are covered on a new for old basis - Replacement Hire Cover - Public Liability up to 1,000, day EU cover - We can cover trailer tents and folding caravans Benefits - Discount available if Datatag marking system fitted 55

56 Caravan Touring Policy Designed to provide your clients with comprehensive cover, you can offer your clients peace of mind with our Caravan Touring Policy. Features - We can cover up to 25% of the caravan s sums insured for contents cover - Decking cover included - New for old cover - Up to 10 years old caravan and contents - Low excess Main residency available - Market value cover available at request for caravans under 10 years old - Liability up to 5,000,000 Benefits - The caravan is covered if left unattended whilst attached to the towing vehicle with no wheel clamp or hitch lock - Discounts available for policyholders 50 years or older - We can cover caravans with a shipping length over 8 metres - We can cover caravans up to 40 years old - The insured may arrange any reasonable repairs, after damage has occurred - In the event of the caravan being rendered unusable following a claim for damage/theft we will pay for the hire of another caravan or alternative accommodation - Caravan may be used by spouse/partner, parents and other relatives and friends - European use up to 90 days, this can be extended at referral - We will pay for any reasonable cost incurred for the protection and removal of a caravan to the nearest suitable repairer and returning it to the insured correspondence address 56

57 Caravan Static Policy With all year round cover for Static Caravans and Park Homes, and generous levels of cover, clients are well covered with our Static Caravan Policy. Features - We can cover up to 25% of the caravan s sums insured for contents cover - Decking cover included - New for old cover - Up to 10 years old - Free Legal Cover - Public Liability up to 5,000,000 - Market Value cover available Benefits - Main residency available - We can cover caravans over 40 years old - Loss of income which would have been received from bookings if the holiday caravan becomes inhabitable via an insured cause - Subject to damage cause via an insured peril policy will cover the costs of site clearance, removing debris, dismantling, collection, delivery and re-siting - Reasonable additional costs incurred in completing your holiday - Contents in the open is covered. unless unoccupied is the most we will pay 57

58 Your Immediate Team. Simon Rowley Underwriting Team Leader Simon looks after the day to day management of the Commercial Express underwriting team and has over a decade of experience in the industry. Simon has been with the company over 5 years, previously in the role of the Senior Catering Underwriter, where his wealth of knowledge and flexible underwriting approach has contributed to the great success of the Catering, Event and Caravan schemes. srowley@commercialexpress.co.uk Louise Caffery Underwriting Team Leader Louise has worked for 17 years in the insurance industry including Direct Line group for 6 years whereby she worked in the Commercial Motor Claims department as a Personal Injury handler and senior authority holder, referral point and coach. Louise is looking forward to be part of a successful and growing company and ensuring that the relationships with our customers continue to grow. lcaffery@commercialexpress.co.uk 58

59 Our Renewals Team. Simon Smith Senior Renewals Underwriter Simon started out in the insurance industry in 1988 so offers over 28 years experience. He has underwritten all types of products over that time including motor trade, contractors, Commercial Combined, Package and Property Owners. Our Accounts Team. Phil Bowers Finance Manager An experienced Finance Manager, Phil manages all of Commercial Express financial accounting, monitoring, reporting systems and personnel. His keen eye for detail motivates his desire to manage efficient systems which develop our people and drive. Maziko Kalebe Renewals Underwriter Maziko has worked in insurance for two and half years, working at Footman James as a New Business Account Handler dealing with Motor Trade Combined, Motor Trade Road Risks, Liability, Multi Vehicle, High Net Household and High Net Vehicles Policies. mkalebe@commercialexpress.co.uk Bronte Wisbey Finance Team Leader Bronte has over 10 years experience in the Insurance industry with Commercial Express. She is able to utilise the experience and skills gained in supervising the accounts payable and accounts receivable. bwisbey@commercialexpress.co.uk Jessica Scott Renewals Underwriter Jessica Scott joins our renewals team after being the voice of Commercial Express, as our telephonist. Jess has vast previous experience as a call handler for the West Midlands Ambulance Service and has come to know many of our agents in her previous role. jscott@commercialexpress.co.uk Victoria Cooper Finance Administrator With over 5 years experience in the financial industry, Victoria uses her excellent communication skills and attention to detail to ensure that all Commercial Express wholesale accounts and premium credit accounts are kept in order and up to date. vcooper@commercialexpress.co.uk 59

60 Our Account Managers. The purpose of our Account Managers role is to invest a considerable amount of time in understanding your business and supporting you to develop both existing and new income streams. Our Account Managers are ambassadors for our brand and their main focus is to build further on the relationships they have already nurtured with each of our agents. Caroline Fisher Corporate Account Manager With over 30 years experience in the industry, Caroline s expertise is continually reflected in her ability to create, secure and maintain relationships with existing and new customers. cfisher@commercialexpress.co.uk Phil Lackie Senior Account Manager Over the course of his 20 year career, Phil has worked in claims, underwriting and broking. He specialises in building and maintaining useful relationships. plackie@commercialexpress.co.uk Paul Price Account Manager With over 32 years experience in the industry, Paul has an extensive understanding of the insurance market and ways to develop new business. pprice@commercialexpress.co.uk Paul Ingleby Account Manager Paul began working in insurance in 1989 and moved over to Commercial in 2005 after a collective 13 years with Zurich. Life as a BDM started when he first joined CE in August 2009, covering a panel of over 300 agents. 60 pingleby@commercialexpress.co.uk

61 Our Account Managers. Derek Cluderay Account Manager Derek has been working within the Insurance Industry for over 14 years; dealing with personal & commercial clients including underwriting Tom Barrett Account Manager Tom has over 6 years experience in the insurance industry, spending three and a half years at Allianz starting as a Sales Executive and then moving to the renewal team. tbarrett@commercialexpress.co.uk Angela Thompson Account Manager Angela has been working within the insurance industry nearly 14 years. She started at Zurich on the package team as a trainee Underwriter and quickly progressed to Commercial Underwriter, dealing in package (SME) and Commercial Combined. athompson@commercialexpress.co.uk Shalman Ahmed Account Management Support Officer Sham is office based and looks after our remaining agents whilst also supporting the Account Managers. sahmed@commercialexpress.co.uk

62 Our Technical Underwriting Team. Tom Bolstridge Technical Underwriting Manager Tom previously held the position of Regional Trading Underwriting Manager with Arista. With over 17 years experience in the insurance industry, having also worked for AIG. Tom has joined during a time of significant growth and investment for the company. During his career Tom has built up a wealth of knowledge, performing numerous roles within the industry. He believes strong leadership is vital to the success of an insurance company and is very important to him. Communication is a must also, and he likes to try and create a collaborative and open environment as this will lead to a place where people will want to work and develop their own careers and inspire new ideas and direction. tbolstridge@commercialexpress.co.uk John Askill Assistant Technical Underwriting Manager A former insurance broker, John specialised in underwriting for Property, SME and Catering. John is a keen communicator who brings a cheerful approach to business and the office. John believes the key to building long-lasting authentic relationships is good communication and finding solutions which benefit both parties. jaskill@commercialexpress.co.uk 62

63 Our Learning & Development Team. Mark Williams Learning & Development Manager Mark brings over 6 years experience in the industry including Learning & Development Specialist for NFU Mutual. Mark joined Commercial Express as he felt it was a brilliant opportunity to share his experience with an exciting, growing company. Mark s mission is to build a first class learning and development culture to benefit all members of the CE team and to create a genuine learning culture. Mark is committed to delivering outstanding learning solutions and developing our staff and our customers. mwilliams@commercialexpress.co.uk Siân Hickman Training Coordinator Siân Hickman is our Training Academy Co-ordinator who spends her time delivering training courses to brokerages of all shapes and sizes across the UK. Siân has more than a decade of experience in underwriting and insurance, and is passionate, enthusiastic and extremely knowledgeable. Siân enjoys meeting agents who she has dealt with for many years, giving them hints and tips on our products to make their day to day jobs easier when working with Commercial Express. shickman@commercialexpress.co.uk Training Academy Courses on offer Course 1 Property Owners Residential Let Commercial Property Owners Industrial and Unoccupied Property Owners Short Term Unoccupied Landlord s Contents Course 2 Liability Liability Per Capita Liability Wages and Turnover Contractors All Risk Land Liability Contract Cleaners Course 3 SME & Commercial Combined Commercial Combined Public House Guest House & Hotel Shop Dry Cleaners and Launderettes Course 4 Catering & Event Outside Catering Catering Trailer & Static Unit Catering Van Single Event Multi Event Course 5 Property Owners & Liability Residential Let Commercial Property Owners Industrial & Unoccupied Property Owners Liability Per Capita Liability Wages & Turnover Course 6 Caravan & Trailer Touring Caravan Static Caravan Trailer 63

64 Our Training Academy. The training that Siân at Commercial Express has provided for Be Wiser, has been an essential part of developing the account. Our qualified Sales Agents now have that extra confidence when talking to our customers, especially when talking about the niche products that Commercial Express can offer. Paul Brooks - Business Insurance Manager Be Wiser Our Training Academy is a unique and market leading offering, designed to develop and teach both new and experienced insurance professionals, while giving agents a helping hand to grow their business. We are the only MGA to offer such a facility. The course is free and Training Coordinator Siân Hickman teaches you the things you need to know about Commercial Express to make the overall Commercial Express experience for you more efficient. This is a product and system course designed for the agent to have a greater understanding of Commercial Express products, underwriting rules and processes. The Training Academy courses typically last around 90 minutes and Siân will come to your offices, at your convenience, or courses can be held at the Commercial Express offices if this is more convenient. 64

65 Our Claims Relationship Manager. Ben Gilbert Claims Relationship Manager Ben s vision is to provide a first class claims and aftersales service that sets Commercial Express apart from anyone else in the market. He most enjoys building relationships, knowing that the service provided has helped someone in the event of them having a claim. bgilbert@commercialexpress.co.uk Our Telephonist. Rhiannon Allport Telephonist Rhiannon worked for over 18 months as a receptionist and telephonist at Audi, answering calls and greeting walk-in customers. Rhiannon is a people-person and enjoys building lasting relationships with our agents. rallport@commercialexpress.co.uk 65

66 Videos available: ASSIST - What s Changed ASSIST. ASSIST is the name of our online trading system launched in September To help you understand the power and flexibility of Assist we have produced a range of videos and updates communicating the latest changes to the system and how best to get the most out of Assist. You can find them all on our website at commercialexpress.co.uk/assist/ ASSIST - Retrieve Quotes & Policies ASSIST - Quote Premium Page ASSIST - What s Changed ASSIST - Client Search ASSIST - Retrieve Quotes & Policies ASSIST - Quote Premium Page ASSIST - Changing Password ASSIST - Adding a Location ASSIST - Client Search ASSIST - Changing Password ASSIST - Adding a Claim ASSIST - Adding a Location ASSIST - Adding a Claim 66

67 Our Awards. Best Service Provider of the Year Winner. Midlands Business Awards BEST SERVICE Provider of the Year We were recognised this year for our commitment to providing excellent customer care by receiving the Midlands Business Award for Customer Service 2017, for businesses with a turnover of over 1m. Now in its 11th year, the Midlands Business Awards is a positive and dynamic major event in the business calendar for the whole of the Midlands region; providing a platform for any business, from any industry, and celebrating their success stories. Commercial Express is committed to providing the very best service to our customers at all times and are constantly monitoring and reviewing every step of the customer journey to ensure our high standards are consistently met. Duncan Pritchard, Managing Director comments: Our business is very digitally-focused but we strongly believe that when an agent does need help or information, they have experienced and knowledgeable underwriters at the end of the phone. Building strong, lasting relationships with our customers is at the core of everything we do. We re delighted to have received this award and will certainly be entering more awards next year. We are determined to retain this particular title for years to come. Investors in our People Gold. We currently boast the Investors in People Gold Award, which recognises our commitment to putting our people at the heart of our business. The prestigious award is recognised across the world as a mark of excellence. The Investors in People accreditation helps improve Commercial Express s performance and achieve our objectives in investing in technology, involving and empowering people and introducing new ways of working. It also acts as a vehicle to further advance and develop our workforce. The process of developing and training our people to the highest standard possible is fundamental to the success of Commercial Express. We will continue to recruit the very best people and in turn we look after our people well. Our aim is to invest quality time in the on-going development of our people so they can perform well and become the very best people in the market. 67

68 Our Commissions. We like to keep our agents happy with some seriously satisfying commissions Get up to 32.5%* Commission instead of the standard rate when using our Commission editor * except for Catering Van and Commercial Combined Property Owners Residential Property Owners 22.50% Short Term Unoccupied 20.00% Commercial & Industrial Property Owners 22.50% Landlord s Contents 20.00% Tenants Contents 20.00% Catering & Event Outside Caterer 17.50% Catering Trailer 15.00% Catering Van 7.50% Single Event 17.50% Multi Event 17.50% Exhibitors 17.50% SME & Commercial Combined Commercial Combined 20.00% Shop 20.00% Office 20.00% Office (Material Damage Only) 20.00% Guest House & Hotel 20.00% Public House 20.00% Fast Food & Restaurant 20.00% Wholesale 20.00% Dry Cleaners & Launderettes 20.00% Caravan & Trailer Caravan Touring 20.00% Caravan Static 20.00% Trailer 17.50% Liability Liability (Per Capita) 20.00% Liability (Wages & Turnover) 20.00% Land Liability 17.50% Market Traders 17.50% Contract Cleaners 17.50% Hobby & Club 20.00% Contractors All Risk (CAR) 15.00% 68

69 Our Charity. The Commercial Express charity for 2018 is Macmillan Cancer Support. Macmillan s aim is to improve the lives of everyone living with cancer and to inspire millions of others to do the same. There are 2.5 million people living with cancer in the UK today, and as people live longer this number is set to grow to 4 million by Macmillan want to provide support to everyone who needs it, to help people affected by cancer feel more in control of their lives. Macmillan produce independent, expert, up-to-date information to meet the information needs of people affected by cancer. They provide information on over 60 types of cancer, managing symptoms and side effects, coping with emotions and managing practical issues like money, work and travel. They currently have over 500 booklets, leaflets and fact sheets and approximately 2500 pages of cancer information on their website. In addition to this they also provide a free support line where a team are on hand to answer questions, talk through worries or simply listen if someone is having a bad day. Our Events. 69

70 Testimonials Commercial Express have helped us expand our current book assisting in developing some of the Niche areas of the market along with growing our existing product lines. The product range provided along with their high service standards are second to one. With both a good relationship from Account Managers and underwriters Commercial Express are a pleasure to deal with. The online system is slick and easy to use producing comprehensive quotations and documents at the touch of a button. A broker friendly MGA! Paul Skidmore - Operations Director Advanced Insurance Consultants Ltd It s clear that Commercial Express, like CETA, are a company with great ambition and that s why the working relationship between the two companies has gone from strength to strength is set to be a great year for CETA and the support offered by the team at Commercial Express will only help with our plans for significant growth. James O Hara - Sales & Marketing Manager CETA Swindon Bluefin have been working closely with Phil Lackie for some time now, we are extremely impressed with his can do attitude and professionalism as a whole. Commercial Express have helped us secure a lot of business into the branch. All the back room staff are helpful, conscientious and willing to go that extra mile. We are pleased we have Phil working on our account, and can t wait for what 2016 and beyond will bring. Nicola Gardner Cert CII - Team Leader Bluefin As a new commercial brokerage Commercial Express offered us and still continue to offer us competitive premiums and an excellent referral service to help our business grow. Paul Hobbs - Premier Client Account Handler Business Choice Direct Ins Services We received exceptional training from Siân at Commercial Express, the information provided was excellent and relevant ranging from property owner to commercial combined. Some of the points highlighted included the extensive trade list available via the Per Capita and Wages & Turnover Schemes, Commercial Express can also be approached for other complex trades offline. I would definitely recommend the training and look forward to the next time Siân visits our office to provide training for new staff members. Elaine McGilligan - Business Development Manager Find Insurance NI The training that Siân at Commercial Express has provided for Be Wiser, has been an essential part of developing the account. Our qualified Sales Agents now have that extra confidence when talking to our customers, especially when talking about the niche products that Commercial Express can offer. Paul Brooks - Business Insurance Manager Be Wiser 70