Your Helpful Insurance Partner.

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1 Your Helpful Insurance Partner.

2 We are insurance partners who care about the service we provide. The service we deliver Commercial Express is a market leading Managing General Agent, offering insurance intermediaries access to a range of insurance solutions designed to meet the needs of their clients. We offer a wide and flexible product range at competitive prices. We aim 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. We want to offer the best solutions and service possible so we re the smart choice and first choice for our customers.

3 We re here when you need us.

4 Who we are Online and in person we always aim to be your easy to use underwriting partner. If you have an issue you can call us. We listen and help however we can. We are flexible in our approach, whenever and wherever we can be. We work closely with our agents to offer the products they need and provide the service they want. Our team is dedicated to providing the best products and the best service for our agents. What we do Backed by A+ rated insurers, we specialise in offering policies for Property Owners, Liability, SME & Commercial Combined, along with more tailored schemes such as Caravan and Catering, plus a selection of Niche products. We pride ourselves on offering the very best service that we can through our dedicated and highly experienced underwriting team. We always aim to be your helpful and trusted insurance partner, and to be there when you need us.

5 Your first choice We want to be the very best Managing General Agent. We will work with you to improve and evolve our products and service wherever we can, to make it better for you. We use a team of underwriters who will spend time on the phone listening to your particular needs, and we have a national team of Business Development Managers that will visit you, keep you up to date with our news and ask how we can be more helpful. In doing so we provide a common sense service and a range of solutions that make your life easier and provide you and your clients with policies that give real peace of mind.

6 We keep your clients going.

7 We have a great range of products that you and your clients can always rely on. Reasons to register - Instant and competitive quotations - Experienced underwriters with a common sense approach - Outstanding customer service - Excellent relationship management We have streamlined our products into new and easy to use groupings, but we still have the same great products that agents and clients benefit from. We are proud of our claims service too. Effective claim management helps your business to attract and retain customers and makes your life easier. We know it s an important element within the industry and work hard to make it the best it can be. We believe in common sense, traditional values and friendly service, to be your helpful insurance partner. Our systems and service are designed with you in mind, to make your life easier.

8 We offer products that give your customers real peace of mind.

9 We provide insurance designed to protect your client s Property Investment. Property investment products We offer residential landlord and unoccupied insurance, along with commercial and industrial property owners cover. Let Benefiting from a panel arrangement our landlord schemes provide the essential components to ensure your client s property is protected. Short Term Unoccupied These benefit from a panel arrangement, designed for properties left vacant for 30 days or more, offering flexible cover for 3, 6 or 9 months. Economy Let Economy Let is a no frills Let facility providing affordable cover for residential landlords, offering simple and straightforward protection. Commercial Property Owners A scheme specifically designed for commercial property owners for trades including offices, shops, restaurants, pubs, takeaways and unoccupied properties. Industrial Property Owners Cover for industrial properties as well as commercial, used for manufacturing, wholesale, retail or processing trades. Unoccupied Property Owners Caters for vacant commercial and industrial buildings that are undergoing refurbishment, renovation, pending sale or purely awaiting occupation. Landlord s Contents Cover for landlords renting out properties that are fully or part furnished. Go online to find out about all features and benefits, or give us a call. commercialexpress.co.uk

10 Flexible and bespoke cover for a wide variety of small and medium sized enterprises with SME & Commercial Combined. SME & Commercial Combined products A broad policy offering for a wide range of businesses and particular risks, to suit all of your clients business needs. Commercial Combined Commercial Combined is designed essentially for manufacturing, wholesale, engineering, leisure and service sectors. Premiums start from only 500. Shop Our Shop product provides a flexible solution that can be tailored specifically to the demands of most retailers and salons. Office Designed to suit most professional offices, our Office product can be tailored precisely to your clients needs. Office (Material Damage only) This product covers many types of offices without the extra cost of employers and public liability cover. Perfect for home workers or small offices. Guest House & Hotel This product is designed to cater for small family run guest houses through to larger hotels. Public House The ideal cover for a variety of licensed trades. Designed with the landlord in mind policies can be tailored to provide cover for items such as damage to premises, stock, as well as liability claims from the general public and staff. Fast Food & Restaurant Covering almost all types of restaurants, cafés, sandwich bars, coffee shops, fish and chip shops and takeaways. Wholesale Designed to cater for wholesalers and distributors who operate from high street premises or industrial units. Dry Cleaners & Launderettes A market leading scheme designed to cover dry cleaners, launderettes and associated trades. Cover can be extended to include customer goods, incorrect garment and process damage to customer goods. Go online to find out about all features and benefits, or give us a call. commercialexpress.co.uk

11 Specialist insurance policies tailored to those working in Catering & Events. Catering & Event products A strong portfolio of catering and event schemes to ensure your client s business is fully covered. Outside Caterer Outside Caterer is a specialist liability policy suitable for any mobile and outside caterer. Cover automatically includes money, stock and legal helpline. No limit on the number of employees. Catering Trailer Catering Trailer is a market leading facility providing flexible cover for mobile and fixed catering trailers including portable cabins. Catering Van Ideal for hot food vans, ice-cream vans and mobile shops. Cover automatically includes free protected no claims bonus. Single Event Provides tailored insurance for one-off events from street parties and village fêtes to exhibitions. Multi Event An affordable solution for those arranging numerous events every year. Exhibitors Caters directly for the precise needs of a stallholder when exhibiting. Go online to find out about all features and benefits, or give us a call. commercialexpress.co.uk

12 Comprehensive and competitive cover with our Caravan Insurance. Caravan products Provide your clients with protection for static and touring caravans, including park homes, with policies that offer peace of mind. At Commercial Express we provide caravan insurance policies to cater for new and experienced caravanners, and also caravans with a wide range of values. Caravan Touring Our Caravan Touring scheme has been designed to provide your clients with comprehensive cover and added peace of mind. Cover automatically includes personal contents cover, awnings and legal expenses. Caravan Static Our Caravan Static facility offers all year round cover for static caravans and park homes. Cover automatically includes personal contents cover and legal expenses. Go online to find out about all features and benefits, or give us a call. commercialexpress.co.uk

13 Protect your clients and their businesses from the unexpected with our Liability Insurance. Liability products We provide businesses with cover tailored to their risks and requirements. Here are schemes designed to protect your clients, ensuring they are financially covered against liability on their behalf. Liability (Per Capita) Designed for small businesses in over 300 trades with less than 10 employees. Public liability insurance is included as standard. Optional covers include employers liability, tools and stock. Liability (Wages & Turnover) Provides the right level of protection for larger or more diverse business activities. Catering for risks with a turnover of up to 5,000,000. Land Liability Protects land owners and/or their business against legal liability for losses resulting from an accident or injury that has occurred on their land. Types of land we can cover include fields, private roads, moorlands, pastures, woodland, as well as development land. Market Traders Market Traders is a specialist liability policy for market traders, offering heavily discounted liability premiums. Cover extends to include online trading. Contract Cleaners Liability scheme with optional extensions for a wide variety of trades including carpet & upholstery, contract cleaners, and domestic window cleaners. Cover automatically includes treatment cover and misuse of telephones for free. No limit on the number of employees. Hobby & Club Hobby & Club is a liability contract for organisations where members meet to discuss and/or participate in activities related to the club type. Go online to find out about all features and benefits, or give us a call. commercialexpress.co.uk

14 Providing your clients with protection for their particular needs with our Niche Policies. Niche products We provide solutions for a wide range of client needs, so you can always offer great protection. Contractors All Risk For independent tradesmen and contractors working on a contract site, this provides protection against the cost of unforeseen loss or damage to building works, machinery and tools. Tenant s Contents Provides cover against loss or damage to personal possessions as well as legal liability protection. Trailer Our market leading trailer scheme offers comprehensive cover for a wide range of trailers including horse boxes. Cover automatically includes European use and replacement hire. Go online to find out about all features and benefits, or give us a call. commercialexpress.co.uk

15 We don t just offer the very best service; we offer competitive Commission Rates. Commissions Excellent commission rates that are designed to keep our agents happy. Property Owners Let 22.50% Short Term Unoccupied 20.00% Economy Let 22.50% Commercial Property Owners 22.50% Industrial Property Owners 17.50% Unoccupied Property Owners 17.50% Landlord s Contents 20.00% 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% 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% Caravan Caravan Touring 20.00% Caravan Static 20.00% 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% Niche Contractors All Risk 15.00% Tenant s Contents 20.00% Trailer 17.50% Go online to find out about all features and benefits, or give us a call. commercialexpress.co.uk

16 Our Underwriters. Our Underwriters Our position as a market leading underwriting agency means that we attract high calibre experienced underwriters with a genuine enthusiasm for our company. If you require any information, feel free to get in touch. Underwriting Manager: Jordan Gregg Team Leader: Siân Hickman Underwriters for Property Owners: Peter Reed Barrington Kerr Noreen Qureshi Underwriters for Liability: Siobhan Penlington Camille Le Long Underwriter for Renewals: Sharmina Rahman Underwriters for SME: John Askill Warren Gibbs Underwriters for Commercial Combined: David Donohoe Erin Pugh Underwriter for Catering & Event, Caravan and Trailer: Simon Rowley

17 Contact details Find out more about our service, products, people and industry news: commercialexpress.co.uk

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