underwriting - commercial express · 2020-06-30 · head of underwriting tom previously held the...

Underwriting

Issue 1

The Value Added MGA

ContentsPlease click to view section.

Welcome letter p3Who we are p4Our Values p5Our Senior Management Team p7Our Insurers p9Property Owner’s Guide p13Liability Guide p23Our Commercial Combined Schemes p33Our SME Schemes p35Our Catering, Event & Caravan Schemes p44Meet the Teams p53CE Learning p65Our Commissions p67Our Charity p68

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Dear broker,

A warm welcome from Commercial Express

At Commercial Express, providing our customers with the best possible service is just one of our many principles. To us, our brokers are our partners and we are committed to understanding each business and vision. The quality of our people and the way in which they approach their roles, with unrivalled knowledge, is the reason why so many brokers wish to work with Commercial Express.

We are the only MGA to offer free learning to all our brokers, through our award winning market-leading online platform. CE learning: Online has been designed to assist both new and experienced insurance professionals.

Whatever the service, our approach is always personal. We want our customers to feel confident in the fact that we are committed to working with them. Our professionals are on hand to help.

We are delighted you are taking this journey with us and look forward to working with you.

Duncan Pritchard Managing Director

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Who we areWe are an insurance partner who cares about the service we provide.

What we doWe offer a wide and flexible product range with competitive quotations.

Why we do itWe provide the best solutions and service possible. Our support infrastructure is a market leading concept within the insurance industry.

Our historyFounded in 1999, Commercial Express has enjoyed a consistent level of growth. Our professional people provide the highest quality service and use their unrivalled industry knowledge to complement our range of insurance schemes.

Our missionTo offer the best solutions and service possible. We are the smart choice and first option for customers.

Our visionOur professional people provide the highest quality service and use their unrivalled industry knowledge to accompany our range of insurance schemes. We aim to become one of the best managing general agents in the UK.

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We’re here when you need us. We visit our brokers at times convenient to them to ensure a beneficial relationship for both parties.

Increased training. Our staff have been trained to deliver the best possible customer service and we continue to train all departments as we grow.

Dedicated teams. We have dedicated teams working on each insurance category, meaning customer enquiries are answered correctly and without delay.

More face-time. We get to know our agents and build relationships that last. We discuss mutually beneficial ways to help improve their accounts. We’re always available when you need to see us in person.

More listening. Our improved brand and business direction are based on customer feedback. We continue to listen and find ways we can improve.

Our Values.

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• Our culture is warm and friendly, with a can-do attitude.

• We communicate effectively to ensure transparency.

• Our support builds long term trusting relationships with both internal and external partners.

• Innovation is encouraged and supported in our people, products and technology.

• Investment in performance through training and development.

• Personal and professional in our approach.

Our People Values.

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Our Senior Management Team.

Duncan Pritchard Managing Director

Duncan works closely with the senior management team to drive the growth and strategic development at Commercial Express. His focus is to establish the long-term vision of the company and ensure the right people are recruited for the job. This means our promise to brokers is delivered. Duncan is an entrepreneur with a passion for business, whose qualities include leadership, forward thinking and determination.

The Commercial Express senior management team (SMT) are responsible for the smooth running of the business and implementation 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 always maintained. The SMT have one goal, which is for Commercial Express to become the best Managing General Agent in the UK market.

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Kristian Bartlett Head of Sales and Marketing

Kristian has more than 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.

[email protected]

Kellie Stephens Director of Operations

Kellie has worked in insurance for 23 years, most recently as the operations manager with AXA Commercial, Birmingham branch, for four and a half years. She was drawn to Commercial Express’ ambitious growth plans and how the company clearly cares about its people. Kellie is driven to improve service and results and has a rounded knowledge about the lifecycle of insurance. This includes buying, renewals, servicing, collecting premiums and making a claim.

[email protected]

Tom Bolstridge Head of Underwriting

Tom previously held the position of regional trading underwriting manager with Arista. He has more than 17 years’ experience in the insurance industry, having worked for AIG, and joined Commercial Express during a time of significant growth and investment. 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. Tom’s aim is to create a collaborative and open environment, forming a place where people want to work and develop their careers.

[email protected]

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Our Insurers.Insurers’ Ratings

Insurers’ Summary

Aviva provides around 31 million customers worldwide with insurance, savings and investment products. The company is the UK’s largest insurer and one of Europe’s leading providers of life and general insurance.

Aviva combine strong life insurance, general insurance and asset management businesses under one powerful brand. Aviva is committed to serving customers well in order to build a stronger, sustainable business. This makes a positive contribution to society, as well as a successful place to work.

At a glance - our key statistics:

• One global brand

• 31 million customers worldwide

• Over 300 years of heritage

AXIS Syndicates 1686 and 2007AXIS offers 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 investment for the Syndicate. The provider underwrites property, casualty, professional lines, marine, energy, aviation, terrorism, surety, cyber, environmental, political risk, credit risk and others, including coverage provided through MGA arrangements.

Insurer Financial Strength S&P or AM Best Lloyd’s of LondonAviva A+ S&P NoAXIS Managing Agency Ltd - Syndicate 1686 and 2007

A+ S&P Yes

DTW 1991 A+ AM Best YesGreat Lakes (Owned by Munich RE) A+ AM Best NoHSB Engineering Insurance Company Limited (Owned by Munich RE)

A+ AM Best No

Channel Syndicate 2015 at Lloyd’s A S&P YesArgo Insurance A AM Best NoCovéa Insurance A S&P NoRSA A+ S&P No

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Our Insurers. DTW1991

DTW1991 is a specialist Lloyd’s syndicate, focusing on delegated underwriting authority business.

Established in January 2013, DTW1991 is 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+.

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’sThe 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.

There is 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. The success is built on the quality of the people, customer focus and 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 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).

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Our Insurers.

HSB Engineering Insurance is 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, employees have the knowledge to show you how 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, the company is continuing the 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 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, they can combine a global knowledge base with our local presence across the UK and Ireland to develop and deliver innovative, forward-thinking risk solutions. HSB is showing clients how, together with HSB, they can manage risk in a complex and evolving world.

Within the UK, Covéa Insurance offer commercial, motor, high net worth, property and protection insurance. The company 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, they are part of the French mutual insurance group 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 2016.

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) which adds further value to our A rated consortium.

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Our Insurers.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.

With over 300 years’ experience, we’ve learnt a thing or two about risk and uncertainty and the value of insurance to our customers.

As the world evolves so do the needs of those we serve, and we must respond with an agile yet resilient business that always strives to do better.

We are one of the world’s longest standing general insurers, providing peace of mind to individuals and protecting small businesses and large corporations from uncertainty. We use our capabilities to anticipate and exceed customer expectations and improve outcomes for customers via our direct channel, our broker relationships or partner organisations. We have established leadership positions in Scandinavia, Canada, and the UK & International (which includes Ireland and Middle East).

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Property Owner’s Guide.

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Residential Property Owners Policy

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.

Schemes: Let Protect & Let Shield

Features & Benefits common to both schemes

- Free £5,000 Landlords Contents when tenanted by professionals, students or DSS (Non-Referral). All white and brown goods included if supplied by the landlord

- 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

- 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 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 up to BSI subject to a satisfactory tenant’s reference, otherwise cover is limited to £5,000, excluding buildings occupied by Asylum Seekers

Optional Extras

- 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 £500

- Terrorism cover available (Let Protect scheme only)14

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Scheme: Let Assured

Offering competitive rates for students, DSS referrals and asylum seekers, take advantage of our Residential Property Owners policy.


Features & Benefits

- Landlords Contents up to £5,000 can be provided free of charge. This applies to all tenant types, except Unoccupied

- Cover for damage caused by malicious persons authorised to be in any part of the building is included, up to the limits noted below:

DSS Non-Referrals and Students are limited to £10,000, Professionals to £20,000 and Unoccupied to £5,000. (the limits are in respect of any one claim)

Please note: Cover is not included for the following tenancy types: Asylum Seekers and DSS Referrals

- Accidental Damage to buildings is automatically included for professionals, students and DSS (Non referrals)


- Loss of Rent 20% building sum insured, or up to £150,000 alternative accommodation except for unoccupied properties

- Trace and Access up to £10,000 in any one period of insurance

- Accidental Damage to cables & underground services

- Loss of Metered Water £2,500 any one claim, maximum £5,000 any one period of insurance

- The buildings sum insured will benefit from index linking, in line with the House Rebuilding Cost Index, issued by the Royal Institution of Chartered Surveyors

- Unauthorised use of utilities cover up to £5,000


- Landscaped gardens - following damage caused by emergency services £10,000

- Removal of wasp and bee nests - £1,000 in any one period of insurance (£50 excess applies)

- Illegal cultivation of drugs - clean-up costs and remedial work in reinstating your building back to its original condition if the tenant alters the building without your knowledge - £5,000 in any one period of insurance (not available if the building is unoccupied)

- Replacement locks cover £2,500 in any one period of insurance

Optional Extras

- 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



- Terrorism cover available15

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Scheme: Let Economy

Simple and straightforward protection providing affordable cover for residential landlords with our Residential Property Owners Policy.


Features & Benefits- Basic cover




- Index linking in the event of a claim


- Removal of wasp and bee nests - £1,000 in anyone period of insurance (£50 excess applies)

Optional Extras- Legal Expenses up to £25,000



- Terrorism cover available

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Commercial & Industrial Property Owner’s Policy

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.

Scheme: Argo & Covéa

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.

Features & Benefits- Property Owners Liability £2,000,000 as

standard

- Employers liability £10,000,000 as standard

- Larger premises being eligible for size discounts

- No claims discount available

- The property being considered as unoccupied in excess of 30 consecutive days

- Pro Rata Cancellation

- Prevention of access up to £1,000,000

- Loss of attraction cover up to £250,000

- Adjacent property damage up to £150,000

- Trace & Access up to £25,000

- Unauthorised use of utilities up to £25,000

- Removal of tenants debris up to £25,000

- Loss of Keys up to £15,000

- Fly tipping cover up to £5,000

Optional Extras- Property Owners Liability up to £10,000,000. (£5,000,000 optional and £10,000,000

upon referral)

- Buildings cover – Accidental Damage available

- Landlord Contents cover – Accidental Damage available

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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.

Scheme: Lloyd’s AXIS

Features & Benefits- 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


- Accidental Damage to cables & underground service

- Pro rata cancellation subject to minimum time on risk charge




- 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

Optional Extras- Option to increase Property Owner’s Liability to £5,000,000 LOI

- Wider cover available for unoccupied properties

- Terrorism cover available



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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.

Scheme: DTW 1991

Features & Benefits- 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



- 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

Optional Extras- 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



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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 & Benefits- Fire, Lightning, Aircraft, Explosion, Storm, Flood, Subsidence, Landslip and Heave

- Property Owner’s Liability £2,000,000 (or £5,000,000 with Channel)


- 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

- Cover available for unoccupied properties pending sale and renovation

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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 & Benefits- Cover is available on a New for Old basis for Loss or Damage

- Loss of Metered Water

- Policy Excess £50

Optional Extras- Legal Expenses up to £25,000

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Landlords cannot be held responsible for insuring tenants personal possessions. Get the cover tenants need with our Tenants Contents Policy.

Tenants Contents

Features & Benefits- 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 £100

- Loss of Rent cover up to 20% contents sum insured (limited to £2,000) for up to 1 months rent

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Liability Guide.

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Liability (Per Capita) Policy

Features & Benefits- FREE Tools cover up to £1,500 for all trades

- FREE Professional Indemnity up to £25,000 on the majority of trades including; Builders, Bricklayers, Carpenters, Painter & Decorator and Kitchen / Bathroom Installers

- Pro Rata Cancellation Terms

- 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

- 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

Optional Extras- Employers’ Liability cover up to £10,000,000

- Tools and Stock cover available

- Cover for Employees on a temporary basis for work within the EU, provided that Employee resides within the Territorial Limits ordinarily

Targeting contract trades and offering unique policy coverage. A flexible Per Capita facility which offers great protection for your clients with our Liability (Per Capita) Policy.


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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 & Benefits- Public & Products Liability available up to

£10,000,000, excluding use of heat


- Unsatisfied Court Judgements




- 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




- Housing Grants, Construction and Regeneration Act 1996 - Applies to process of adjudication or decision pursuant to the Act


- Up to 25% Republic of Ireland work subject to UK jurisdiction

- Tools and Stock cover available

Scheme: DTW 1991

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Liability (Wages & Turnover) Policy

Targeting contract trades and offering comprehensive policy coverage. A flexible facility which offers great protection for your clients with our Liability (Wages & Turnover) Policy.



- Bona Fide Sub Contractors included FREE of charge, for annual payments up to £100,000, cover can be increased at an additional premium





- 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 - up to £500 for directors and £250 for any employee for each day attendance is required

- 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 - up to £100,000 during any one period of insurance


- No limit on the number of employees or turnover

- Pro Rata Cancellation Terms


- Cover for Employees on a temporary basis for work within the EU, provided that Employee resides within the Territorial Limits ordinarily if Employer’s liability selected

- Contractors All Risk


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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 300 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.



- No limit on the number of employees or turnover


- Clerical employees included FREE of charge if non clerical occupation





- 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




- Housing Grants, Construction and Regeneration Act 1996 - Applies to process of adjudication or decision pursuant to the Act



- Contractors All Risk

Liability (Wages & Turnover) Policy

Scheme: DTW 1991

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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 & Benefits- 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

Optional Extras- Property Owners Liability for unoccupied

buildings on the land




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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 & Benefits- Public / Products Liability cover available up to

£5,000,000


- Worldwide cover for non-manual employees normally resident in the UK who are temporarily working overseas

- Indemnity to principal as standard


- 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



- Motor Contingent liability

Optional Extras- Employers’ Liability up to £10,000,000

- Ancillary online sales


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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-to- member cover.

Optional Extras- Material Damage available offering cover for up to £5,000 worth of items owned by the club anywhere in

the world

Features & Benefits- 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




- Defective Premises Act 1972

- 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




- Motor Contingent liability

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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 & Benefits- Public & Products Liability cover

available up to £5,000,000 (cover up to £10,000,000 can be offered on request)

- 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 (in the event of liabilities arising from accidental bodily injury or accidental

damage to property caused or rising from any treatment carried out by the insured or their employees)

- Misuse of telephones up to £5,000 FREE of charge

(in the event that the insured shall become legally liable to pay due to any act of fraud, dishonesty or embezzlement in connection with the misuse of customers telephones by an employee of the insured)

- Bona Fide Sub Contractors included FREE of charge


- Indemnity to principal as standard


- Liability cover in respect of the Defective Premises Act

- Data Protection Act 1998 Defence Costs

- Liability cover for leased or rented premises

Optional Extras- Financial Loss available up to £30,000 (in the event that the assured becomes legally liable to pay for financial loss by others)

- Lock and/or Key Replacement available up to £30,000 (in the event of losing or replacing a locking device to a third party property)

- Stock cover can be added up to £10,000

- Business Equipment can be added up to £50,000 (single article limit £10,000)


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Contractors All Risk Policy

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.

Features & Benefits- Contract Works available in isolation

- Contract Limit available up to £1,500,000

- 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

- 180 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

Optional Extras- 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

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Our Commercial Combined Schemes.

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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 & Benefits- Building

- Stock

- Business Interruption

- Glass

- Money

- Goods in Transit

- Specified Items – ‘All Risks’

- Deterioration of stock

- Employers Liability

- Public and Product Liability

- Increased panel of insurers for more flexibility

- 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

- Terrorism available as an optional extension

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Our SME Schemes.

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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 & Benefits- Stock cover

- Contents cover


- Money

- Goods in Transit

- Book Debts

- Frozen Food

- Employer’s Liability

- Public & Products Liability


Optional Extras- 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




- 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

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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 & Benefits- Contents & Business Equipment cover


- Money

- Goods in Transit

- Book Debts










- 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.




- Rent Receivable

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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 & Benefits- Contents & Business Equipment cover


- Money

- Goods in Transit

- Book Debts






- Household Goods available up to a limit of £20,000







- Rent Receivable

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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.


- Contents cover


- Money

- Goods in Transit

- Book Debts

- Frozen Food







- Loss of licence available up to a limit of £100,000

- All Risks – UK or Worldwide available as an optional extension








- Rent Receivable

- Damage to garden furniture – Up to a maximum of £500 any one claim including theft

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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.


- Contents cover


- Money

- Goods in Transit

- Book Debts

- Frozen Food






- Damage to garden furniture – Up to a maximum of £500 any one claim including theft



- All Risks – UK or Worldwide available as an optional extension


- Liability can be extended to cover childrens play areas

- Outside catering extension available







- Rent Receivable

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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.


- Contents cover


- Money

- Goods in Transit

- Book Debts

- Frozen Food



- 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



- Terrorism available as an optional extensions

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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.


- Contents cover


- Money

- Goods in Transit

- Book Debts

- Frozen Food






- Theft damage to buildings – 10% of trade contents sums insured









- Rent Receivable

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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.

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 Extras - Buildings cover available as an optional extension



- Process damage including leather, suedes and furs as an optional extension



- Contents cover


- Money

- Goods in Transit

- Book Debts

- Frozen Food










- Rent Receivable

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Our Catering, Event & Caravan Schemes.

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Outside Caterer Policy

Fundamentally a liability product tailor-made with optional extras to suit the business needs for any mobile or outside caterer.

Features & Benefits- Public & Products liability cover up to

£10,000,000

- Employers Liability cover up to £10,000,000

- £500 Loss of Money & £500 Loss of Stock cover as standard

- 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 1990

Optional Extras- Increase Public & Products liability up to

£10,000,000 at no additional cost when the turnover is under £250,000

- Portable Catering Equipment. (such as hog roasts, potato ovens and generators)

- Stock Deterioration Following Refrigeration Breakdown cover

- Business Interruption Cover


- Increased indemnity limits for money and stock cover

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Catering Trailer Policy

Market leading insurance coverage for catering trailers and static units with optional covers.

Features & Benefits- 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

- 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

Optional Extras- Public, Products & Employers Liability up to

£10 ,000,000

- 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

- £0.00 Excess Available

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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.

We now insure converted cars for catering purposes and Tuk Tuks.

Features & Benefits- Fire cover included

- Fixtures and Fittings cover

- Mirrored NCD

- Underwritten by Aviva

- Up to 4 Vehicles on one Policy

- Breakdown Cover under Aviva Available

- Mid-term Laid Up Cover

- Any Driver 25+ Available

- Protected NCD Available

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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 & Benefits- 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 by the organsier

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

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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 & Benefits- 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 by the organiser

Optional Extras - Employer’s liability up to £10,000,000

- Equipment Cover up to £20,000

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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 & Benefits- 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

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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 & Benefits- 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 £1,000,000

- 90 day EU cover

- We can cover trailer tents and folding caravans

- Discount available if Datatag marking system fitted

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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 & Benefits- FREE Contents cover*

(* up to 25% of caravan sum insured)

- The appointment of Caravan Specialists, Lucas Claims Solutions as sole loss adjusters

- 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

- Main residency available

- We will consider 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 caused by an insured peril, the 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 up to £300 when the caravan is occupied

- Replacement of locks if keys are lost or damage is caused to locks

- Food in freezer up to £100

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Your Immediate Team.

Simon RowleyRenewals & Service Underwriting Team Leader

Simon looks after the day to day management of the Commercial Express underwriting team and has more than a decade of experience in the industry. Simon has been with the company over eight years, previously in the role senior catering underwriter. His wealth of knowledge and flexible underwriting approach has contributed to the great success of the catering, event and caravan [email protected]

Luke HansonNew Business Underwriting Team Leader

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 [email protected]

Louise CafferyUnderwriting Service Manager

Louise has been working in the insurance industry for the last 20 years, her experience is largely in Technical Claims however since joining Commercial Express has thoroughly enjoyed the transition from Claims to Underwriting. Louise’s favourite part of her role is helping the development and growth of her department and ensuring that we are offering a first-class service to our [email protected]

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Your Service Team.Sally ScottService UnderwriterSally 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 [email protected]

Warren Gibbs Service UnderwriterWarren has over 15 years experience in the industry. Specialising in SME, Liability and Renewals, Warren’s vast experience and sound knowledge of the market make him an essential part of the Commercial Express [email protected]

Natalie CrockettService UnderwriterNatalie has joined Commercial Express with a wealth of insurance knowledge, having previously worked at Aviva and Aspen. She has been in the industry for seven years and is now looking forward to achieving high level licenses. Natalie was drawn to working with Commercial Express thanks to the Gold Investors in People [email protected]

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Your Service Team.Brook Poxon Service UnderwriterBrook comes to us after four 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 [email protected]

Sarah CartwrightService UnderwriterSarah has worked in Insurance for seven years, beginning in personal lines in 2009 in Dublin for around 2 years and then moved to commercial insurance. Sarah enjoys speaking to agents on a daily basis and her hope is to move on to become a Senior Underwriter at Commercial [email protected]

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Your New Business Team.

Chris HaskethNew Business UnderwriterChris has 28 years in the industry starting off in personal lines, but moved to commercial around 10 years ago. His speciality is in Commercial Combined, (inc motor trade combined), Package, Liabilities and Property Owners, both from a brokers and underwriters perspective. [email protected]

Tom CartwrightNew Business UnderwriterTom has over five years’ experience working in the insurance industry, including over three years’ experience in catering insurance. He is very passionate about providing a first class service and building successful relationships with agents. Tom is extremely approachable and encourages any agent to pick up the phone for any queries relating to his [email protected]

Matt WarbyNew Business UnderwriterMatt has more than 10 years of experience in the insurance industry, working at the likes of Footman James and Falcon Insurance. He was focused on a range of commercial products, motor trade, property and tradesman policies. Matt joined CE because he wanted to further his knowledge and transition into underwriting, whilst developing skills and understanding new [email protected]

John Askill Senior New Business Underwriter

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 [email protected]

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Your New Business Team.

Richard WilsonNew Business UnderwriterRichard 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 [email protected]

Leigh Griffiths New Business UnderwriterLeigh Griffiths Cert CII has worked in the insurance industry for six years and has experience as a renewals executive. Having worked across products such as property owners, catering liability, package policies and many more, Leigh has extensive knowledge of the industry. He deals with new business, MTA’s, cancellations for property owners and any incoming broker [email protected]

Craig PowellNew Business UnderwriterCraig Powell has been part of the insurance world since 2012, with previous experience as a sales executive across catering, motor, event and fixed site insurance. Craig joined Commercial Express for a new and exciting challenge and will be focusing on catering, event and caravan in the underwriting service [email protected]

Camille Le LongNew Business UnderwriterWith seven years’ experience in commercial insurance, Camille is our go-to solution for Liability policies. Her expertise in construction and higher risk trade liability insurance makes her an integral part of the Commercial Express underwriting team. Camille thrives on working in a fast-paced, varied and challenging work [email protected]

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Your Renewals Team.Andrew FisherRenewals UnderwriterAndrew has been in the insurance industry for over three years all within non-standard 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. [email protected]

Matt CheadleRenewals UnderwriterMatt joins the team from Arthur J Gallagher and has over four years insurance experience including catering, tradespeople, commercial property and liability. He enjoys working with agents to ensure the best service is provided and building long lasting [email protected]

Jason Haughton Renewals UnderwriterJason Haughton has been part of the insurance industry for five years, working previously at A-plan, Coversure and Gallagher. Jason’s roles have included dealing with residential property owners and car insurance, as well as being part of an SME team looking at tradesman, liability, commercial combined and professional indemnity [email protected]

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Your Renewals Team.Karen HortonRenewals UnderwriterKaren 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 [email protected]

Zarrar TariqRenewals UnderwriterZarrar has worked in the insurance industry for over 14 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 [email protected]

Giuseppe CosenzaRenewals Underwriter Giuseppe was 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 spent time with every department gaining the knowledge to become an underwriter. He was interested by the company’s ambitious nature and growth over the last few [email protected]

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Our Accounts Team.Phil Bowers Finance Manager

An experienced finance manager, Phil oversees all the company’s monetary accounting, monitoring, reporting systems and personnel. His keen eye for detail motivates and assists him in managing the efficient systems which develop our people and [email protected]

Brontë WisbeyFinance Team Leader

Brontë has over 15 years’ experience in the Insurance industry with Commercial Express, originally employed in the Underwriting department. Brontë is able to utilise the experience and skills gained in supervising the accounts payable and accounts receivable function within the organisation and assists in providing timely, accurate reporting. Outside of work she enjoys spending time with her family and friends. [email protected]

Victoria Walmsley Finance Administrator

Victoria previously worked for Wolverhampton Wanderers F.C. Her day duty was working in the commercial department as an apprentice and on match nights where she worked in the hospitality suites. She then Joined Commercial Express in 2009, starting off as the office junior, then progressed through Agency onto accounts/finance role which she absolutely enjoys, and has been doing this for around 9 years. Her duties are using excellent communication skills, and attention to detail to ensure that all wholesale, Insurer accounts and accounts payable are kept in order.

Hobbies include hiking on nature walks, spending quality time with family and friends.

Victoria’s favourite thing about working at Commercial Express is building solid relationships with our brokers and any opportunity to help our [email protected]

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Our Accounts Team.Clare BrindleyFinance Administrator

Clare has been in the insurance industry for 29 years. Her career started in 1990 as an office junior at Footman James progressing through the departments into personal lines and classic car and bike insurance, she then moved to AON. Clare started with CE in 2013 to increase her knowledge of the commercial sector and has been working within the CE finance department for two and a half years. Clare enjoys building relationships with the brokers ensuring wholesale, insurer accounts and queries are kept in order and up to [email protected]

Olivia HamptonTrainee Finance Administrator

Olivia has been working within the insurance industry for three years now. Starting off on a Business Administration Apprenticeship completing Level 2 and Level 3 in a successful commercial brokerage, Olivia has already gained a great customer service experience and will continue to learn and [email protected]

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Our Account Managers.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 [email protected] 07901 040402

Paul Ingleby Account Manager

Paul began working in the industry 1989 and moved to the commercial field in 2005 after 13 years with Zurich. Life as a BDM started when he first joined CE in August 2009, covering a panel of over 300 agents. [email protected] 07496 775586

Angela ThompsonAccount Manager

Angela has been working within the insurance industry for 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 [email protected] 07948 357710

Ian BarnettAccount Manager

Ian Barnett has been in the insurance industry for 15 years. He has a wealth of experience in managing and developing both existing and new broker agencies, having worked at Bollington Underwriting and Personal Assurance. Ian was drawn to working with Commercial Express because of the company’s ambitious growth plans that value staff and [email protected] 07990 833877

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Our Technical Underwriting Team.

Mark HumphreysUnderwriting Development Manager

Mark has worked in the industry for 16 years and has worked in both the composite and Lloyds market. Previously he was an Underwriting Development Specialist for Legal & General, but more recently a Household Underwriting Manager for Canopius and later KGM.

His role at CE will include product development and review, account analysis, review and development and underwriting support to the wider business.

He wanted to work for CE because of our great platform, with a lot of potential for growth he wants to bring his expertise and experience in order to support this. Mark also wants to gain experience and a better understanding of commercial [email protected]

Erin Nicholls Technical Underwriter

Erin specialised in commercial combined underwriting and was renowned for her ability to build authentic and lasting partnerships with brokers. 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.

[email protected]

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Our Risk, Compliance & Agency Team.

Helen Holyoake Risk, Compliance & Agency Manager

Helen has a wealth of insurance experience, with 24 years in the industry on both personal lines and SME products. Her responsibilities at CE include overseeing risk and compliance, and management of the Agency team. Helen was drawn to the CE value and vision to grow as a business and wanted to work for a company where she felt she could add worth. In her spare time, she enjoys long walks with her [email protected]

Kylie Corfield Administration Assistant in Compliance

Kylie is an integral part of the Agency team. As administration assistant, she provides excellent customer service to our brokers. With 14 years’ experience in the retail sector, Kylie is a people’s person and enjoys helping brokers. The best thing about working at CE, she says, is being part of a great [email protected]

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If learning is a journey, how do we bridge the gap between where we are now to where we need to be?

The eLearning solution from Commercial Express takes you through the gears of insurance compliance, product awareness, business skills courses and assessment. CE Learning: Online enables you to find, access and track your progress with interactive courses, videos, articles and features. Navigate your way around bite-sized modules or full-length courses with our quick and simple system.

The best learning experiences are designed with a destination in mind, and our brokers can take advantage of CE Learning: Online completely free of charge.

Take a trip through an array of content, such as technical and regulatory modules, course leadership and management, communication skills, compliance and health and safety. Product knowledge, CPD tracking and fun and games are included en route. Buckle up and enjoy the journey with us.

Find out more at ce-learning.co.uk

CE LEARNING

Insuring your development

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https://www.ce-learning.co.uk/

CE Learning TeamJonathan Hill Digital Learning Manager

Jonathan Hill is our Digital Learning Manager, responsible for designing, creating and maintaining the eLearning courses found on CE Learning Online. Jonathan has over 20 years of experience in the insurance industry and for the past 10 years has specialised in Learning and Development. A qualified lecturer and CIPD member, Jonathan has now stepped out of the classroom to become an expert instructional designer. He brings a sense of humour and adventure to his courses to create memorable learning [email protected]

Siân Hickman Learning & Development Specialist

Siân Hickman is our learning and development specialist who spends her time delivering learning courses to brokerages via webinars and in person. Siân has more than a decade of experience in underwriting and insurance, and is passionate, enthusiastic and extremely knowledgeable. Siân enjoys meeting brokers with whom she has dealt with for many years, giving them hints and tips on our products to make life easier when working with Commercial [email protected]

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Our Commissions.

Property OwnersResidential Property Owners 22.50%

Short Term Unoccupied 20.00%

Commercial & Industrial Property Owners 20.00%

- Previously up to 31st September 2019 22.50%

Landlord’s Contents 20.00%

Tenants Contents 20.00%

Catering & EventOutside Caterer 17.50%

Catering Trailer 15.00%

Catering Van 7.50%

Single Event 17.50%

Multi Event 17.50%

Exhibitors 17.50%

Caravan & TrailerCaravan Static 20.00%

Trailer 17.50%

LiabilityLiability (Per Capita) 20.00%

Liability (Wages & Turnover) 20.00%

Land Liability 17.50%

Market Traders 17.50%

Contract Cleaners 17.50%

Hobby & Club 17.50%

Contractors All Risk (CAR) 15.00%

SME & Commercial CombinedCommercial 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%

We like to keep our agents happy with some seriously satisfying commissions

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Our Charity.

Our Charity of the Year 2020

This year, Commercial Express is fundraising for the Alzheimer’s Society. The charity for 2020 was chosen due to the cause being important to many of our staff members and we aim to raise as much as possible through various events across the year.

Alzheimer’s Society is the UK’s leading dementia charity and we are joining them as they campaign for change, fund research to find a cure and support people living with dementia today. Dementia is the UK’s biggest killer. Someone develops it every three minutes and there’s currently no cure.

Commercial Express will be fundraising with a selection of activities during 2020. These will include cake sales, games, bingo and various individual challenges such as bike rides.

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[email protected]

01384 473021

B1 Custom HouseThe WaterfrontLevel StreetBrierley HillDY5 1XH

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