CX Brochure

The Online Underwriter

Cover in an Instant

www.ceqonline.co.uk

Product Information Guide

CX Product GalleryAs a CX Agent your business can benefit from12 categories, 32 exclusive products

CX Let 02CX Let - Lloyd’sCX Let - Inter Hannover CX Short Term Unoccupied

CX Commercial & Industrial Property Owners 04CX Commercial Property Owners CX Industrial Property Owners CX Unoccupied

CX Commercial Combined 06CX Commercial Combined

CX Package & SME 08CX Shop CX Office CX Office (Material Damage Only) CX Public House CX Guest House & Hotel CX Fast Food & Restaurant CX Wholesale

CX Liability 10CX Liability (Per Capita) CX Liability (Wages & Turnover) CX Land Liability CX Flooring Contractors

CX Catering 12CX Outside Caterer CX Catering Trailer CX Catering Van

CX Engineering 14CX Contractors All Risk

CX Event 16CX Single Event CX Multi Event CX Exhibitors

CX Cleaning 18CX Dry Cleaning & Launderettes CX Contract Cleaners

CX Landlords & Tenants Contents 20CX Landlords Contents CX Tenants Contents

CX Trailer 22CX Trailer

CX Caravan 24CX Caravan Touring CX Caravan Static

Cover in an Instant

Welcome to Commercial Express, a market leading independent underwriting agency, offering insurance intermediaries access to a range of commercial insurance solutions designed to meet the needs of their clients.

Through innovative and efficient technology Commercial Express is committed to providing outstanding service, competitive pricing and tailored quality coverage backed by A+ Rated Insurers.

Specialising in policies for Property Owners, Commercial Combined, SME, and Liability Insurance along with niche schemes for Catering and Events, as a CX agent your business could start to benefit from:

• A wide portfolio of 32 exclusive schemes

• Outstanding service levels

• Business Development Managers

• Experienced in-house underwriters

• No contract or minimum volume commitment

Please review the enclosed brochure or visit www.ceqonline.co.uk. If you are interested in details of our products or would like to discuss how we can help develop your business please contact us on 0845 094 2077.

We look forward to receiving your call soon.

Duncan PritchardManaging Director

Visit www.ceqonline.co.uk to register for an agency and start benefiting as a Commercial Express agent.

Welcome to Commercial Express

01

Cover in an Instant

Tailored specifically for residential landlords, CX Let provides a combination of covers packaged together to provide landlords with the essential components to ensure that their investment is adequately protected.

The CX Let facility benefits from a panel of insurers offering Buildings, Contents and Loss of Rent.

Residential Landlord & Unoccupied Insurance

A full product information guide and trade list can be downloaded at www.ceqonline.co.uk

02

LetL t

CX LetCX Com

mercial

& Industrial POCX Com

mercial

Combined

CX Package & SM

ECX Liability

CX CateringCX Engineering

CX EventCX Cleaning

CX TrailerCX Caravan

CX Landlords & Tenants Contents

Protecting property investment

CX Let providing access to a panel of insurers:

CX Let – Lloyd’sDesigned specifically for residential landlords with one or more properties. Offering Buildings, Contents and Loss of Rent protection with optional Accidental Damage to Buildings.

CX Let – Inter HannoverA comprehensive policy designed for residential landlords with numerous benefits including a reduced Escape of Water excess and Alternative Accommodation.

A quick quote facility for instant premium indications is available via www.ceqonline.co.uk

CX Short Term Unoccupied for 3, 6 or 9 months cover:

CX Short Term UnoccupiedShort Term Unoccupied is designed for properties left vacant offering flexible cover for 3, 6 or 9 months. Ideal for properties either waiting probate, sale or owner occupation. Premiums from £75.

www.ceqonline.co.uk

03

Commercial Express provides three exclusive schemes specifically tailored for commercial and industrial buildings.

Cover can be secured for properties that are owner occupied, leased, undergoing renovation, pending sale or awaiting occupation.

Commercial & Industrial Property Owners

Full product information guides and trade lists can be downloaded at www.ceqonline.co.uk

04

Commercial& Industrial PO

Looking after your client’s property investments

CX Commercial Property OwnersCommercial property owners can benefit from a number of policy options that include Buildings, Landlord’s Fixture & Fittings and Loss of Rent. Premiums start at just £250 for trades including offices, shops, restaurants, pubs, takeaways and unoccupied properties. Additional covers can include Glass and Accidental Damage for certain tenancy types.

A quick quote facility for an instant premium indication is available via www.ceqonline.co.uk

CX Industrial Property OwnersThis hugely successful scheme covers industrial properties as well as commercial being used for manufacturing, wholesale, retail or processing trades. The policy allows for the addition of Accidental Damage. More than 560 trades are specifically covered and premiums start from just £250.

CX UnoccupiedThis exclusive product caters for vacant commercial and industrial buildings which are undergoing refurbishment, renovation, pending sale or purely awaiting occupation. Cover can be extended to include Malicious Damage, Storm and Flood. If the property becomes occupied at any stage the property can remain on cover under the same policy.

www.ceqonline.co.uk

CX LetCX Com

mercial


mercial

Combined

CX Package & SM

ECX Liability


CX EventCX Cleaning



05

CX Commercial Combined provides a broad policy offering for more complex risks that do not fit within our ‘package’ range.

Complimenting our existing portfolio of products, the scheme presents your clients with a policy where the cover, limits and benefits are tailored to their individual business requirements.

Providing a highly competitive and fast quote service, the scheme has been designed to cater for Manufacturers, Engineers, Wholesalers and Processing trades.

Commercial Combined Insurance


06

CommercialCombined

CX LetCX Com

mercial


mercial

CombinedPiecing together the right sections of cover

CX Commercial CombinedCX Commercial Combined is a custom-made policy using different elements of cover tailored to the requirements of your client’s business.

Standard cover includes:• Contents• Business Interruption• Book Debts• Glass• Money• Goods in Transit• Deterioration of Stock• Public & Products Liability

Features & benefits:• Quick & easy online trading• Competitive premiums from £500• Wide selection of trades• Work away cover for selected trades• Adjustable limits of cover• Fast track referrals

Manual presentations are now accepted for CX Commercial Combined only. Please email [email protected]

For all your Commercial Combined enquiries contact David Donohoe on [email protected]

www.ceqonline.co.uk

CX Package & SM

ECX Liability


CX EventCX Cleaning



07

Package & Small Business InsuranceWe now offer seven schemes catering for a wide variety of small and medium sized enterprises.

We can provide cover to hundreds of different types of businesses including:

• Wine Bars and Pubs• Fast Food and Restaurants• Hotels and Guest Houses• Retailers and Wholesalers• Offices


08

Package& SME

Tailored, flexible cover for small to medium businesses

CX ShopDesigned for high street shops, cover includes Stock, Contents, Goods in Transit, Money, Public/Products Liability and Employer’s Liability. We also offer cover for Buildings, allowing you to tailor the insurance package to suit your client’s business needs.

CX OfficeCX Office has been created specifically to meet the needs of professional businesses, from accountants to solicitors and estate agents to travel agents. With premiums starting at just £200.00, your clients can be guaranteed value for money.

CX Office (Material Damage Only)This product covers many types of offices without the extra cost of Employer’s and Public Liability cover. The facility is perfect for home workers who want to cover their computers only or small offices within centres which already have their liability insurances covered elsewhere.

CX Public HouseCX Public House offers the ideal cover for a variety of licensed trades. Designed with the landlord in mind policies can be tailored providing cover for items such as damage to premises, Stock, not to mention protecting against liability claims from the general public and staff.

CX Guest House & HotelFrom a small family run guest house to large hotel chains, we can offer a comprehensive policy to suit every hotelier and B&B owner. Our standard policy covers both Public and Employer’s Liability with the flexibility to add cover for Buildings and Loss of Licence to name but a few.

CX Fast Food & RestaurantCovering nearly all restaurants, cafes, sandwich bars, coffee shops and takeaways, CX Fast Food and Restaurant is the ideal product to serve your clients on a plate! With up to 25% No Claims Discount available, we can also accept all frying ranges, regardless of their age.

CX WholesaleCX Wholesale is designed to cater for wholesalers and distributors who operate from high street premises or industrial units. Written on a package basis with Employer’s, Public and Product Liabilities included as standard.

www.ceqonline.co.uk

CX LetCX Com

mercial


mercial

Combined

CX Package & SM

ECX Liability


CX EventCX Cleaning



09

CX Liability provides businesses and property owners with cover tailored to the specific risks and requirements they face.

Offering four exclusive schemes under CX Liability our policies are designed to protect your clients, ensuring they are financially covered against any negligence on their part.

Liability Insurance


10

Liability

Protecting yourself and your business against the unexpected

CX Liability (Per Capita)Meeting the needs of over 300 trades, CX Liability (Per Capita) caters for Sole Traders, Partnerships and Limited companies with less than 10 employees. The policy provides up to £10 million Public Liability insurance and £10 million Employer’s Liability. With up to 30% No Claims Discount and the ability to arrange Tools and Stock cover in isolation or as an extension to the policy makes CX Liability (Per Capita) one of the strongest products in the market.

A quick quote facility for an instant premium indication is available via www.ceqonline.co.uk

CX Liability (Wages & Turnover)CX Liability (Wages & Turnover) provides the right level of protection for larger or more diverse business activities and benefits from large discounts of up to 50% for Size and No Claims Discount. With no limit on the number of employees or turnover and including Bona Fide Sub Contractors FREE of charge the policy provides the essential covers for over 250 trades. Minimum premiums from £150.

CX Land LiabilityCX Land Liability protects landlords and/or their business against legal liability for losses resulting from an accident or injury that has occurred on their land. Providing up to £5 million Property Owner’s Liability cover it caters for all types of land including fields, private roads, moorlands, pastures, woodlands, as well as development land. Premiums start from only £150.

CX Flooring ContractorsDesigned for domestic and commercial flooring contactors this specialist scheme provides all the key extensions required. Included as standard is £5 million Public/Products Liability and £10 million Employer’s Liability with no limit on the number of employees. The policy can be extended to incorporate a range of optional extensions covering Tools and Stock, Financial Loss and Defective Workmanship.

www.ceqonline.co.uk

CX LetCX Com

mercial


mercial

Combined

CX Package & SM

ECX Liability


CX EventCX Cleaning



11

Commercial Express provides specialist insurance policies tailored to those in the catering trade, from limited companies to individual vendors.

With a host of affordable and customisable catering policies, your clients will be guaranteed the right level of cover to meet their individual business needs.

Catering Insurance


12

Catering

Serving up a great selection of products

CX Outside CatererOur exclusive policy is suitable for all mobile caterers and provides the option for the policyholder to extend cover to include Business Equipment and Business Interruption.

Cover automatically includes Employer’s Liability and Public & Products Liability for £5,000,000 with the option to increase to £10,000,000 and benefits from unlimited number of employees plus FREE Money and Stock cover and Legal Helpline. With premiums starting from just £110.52 CX Outside Caterer is a great option for any catering business.

CX Catering TrailerThis facility is specifically designed for mobile and fixed catering trailers including portable cabins. Cover includes the Trailer, Fixtures and Fittings and offers discounts for security fittings in addition to a No Claims Discount of up to 25%. The policy can include optional covers for Money, Loss of Stock, Frozen Food, Legal Expenses and can be extended to offer Catering Liability insurance.

CX Catering Van / Motor FleetThis policy is ideal for hot-food vans, ice cream vans and mobile shops and offers a special mirrored bonus allowing policyholders to secure up to 65% introductory No Claims Discount matching their existing car insurance, with the added benefit of accepting mixed covers all under one policy.

Offering highly competitive rates for all catering trades, CX Catering Van provides cover for the vehicle plus Fixtures and Fittings and full Fire cover.

www.ceqonline.co.uk

CX LetCX Com

mercial


mercial

Combined

CX Package & SM

ECX Liability


CX EventCX Cleaning



13

This exclusive Contractors All Risk scheme is designed to provide protection for building and civil works during the contract period.

The policy is written to enable the contractor or employer to comply with the insurance requirements of the contract and to cover the liability of the contractor for loss or damage during the maintenance period.

Contractors All Risk


14

Engineering

CX LetCX Com

mercial


mercial

Combined

CX Package & SM

ECX Liability


CX EventCX Cleaning



Insuring All Risks are covered

CX Contractors All RiskCX Contractors All Risk is the perfect policy for small to medium sized contractors providing cover for Contract Works, Owned Plant, Hired in Plant and Employees’ Tools & Personal effects. Designed for independent tradesmen and contractors working on a contract site, the policy provides protection against the cost of unforeseen loss or damage to building works, machinery and tools. Benefits include:• £1,000,000 contract limit available• £2,500,000 turnover limit• Contract Works available in isolation• Option to include Owned Plant, Hired in Plant and Employees’ Tools and Personal effects• Minimum Premium £250• Underwritten by HSB Engineering

Target trades:• Builders• Carpenters/Joiners• Plumbers (Domestic & Light Commercial only)• Electrical Contractors Industrial• Kitchen Installers (Domestic)

www.ceqonline.co.uk

15

Providing specialist insurance for a wide selection of events our policies offer a flexible range of cover.

Whether your clients are planning a single event or multiple events during the year, they’ll need to ensure that they are covered for all possible eventualities. CX Event provides comprehensive cover for both one-off events and multiple events.

Single & Multi Event Insurance


16

Event

You plan it, we cover it

CX Single EventCX Single Event provides tailored insurance for one-off events from street parties and village fetes to exhibitions. With up to 10,000 visitors our single event insurance will provide your clients with all the cover they’ll need.

CX Multi EventCX Multi Event is an affordable and highly competitive solution for those managing numerous events every year. The discounted policy allows up to 45 events per year, up to 3 days in length each.

CX ExhibitorsCX Exhibitors is an insurance solution that caters directly for the precise needs of a stallholder when exhibiting. Whether indoor or outdoor the policy offers protection against Liability with optional Loss or Damage cover to Equipment and cover against event Cancellation and/or Abandonment.

www.ceqonline.co.uk

CX LetCX Com

mercial


mercial

Combined

CX Package & SM

ECX Liability


CX EventCX Cleaning



17

Developed under CX Cleaning, Commercial Express offers access to two unique insurance products that have been designed to cater for the specific insurance needs of Dry Cleaners, Launderettes and Cleaning Companies.

Offering key extensions to cover to suit the business risks and exposures faced by the cleaning industry, CX Cleaning benefits from specialist policy wording, competitive rates along with attractive commissions.

Cleaning Insurance


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Cleaning

CX LetCX Com

mercial


mercial

CombinedThe service you’ve been looking for

CX Dry Cleaners & LaunderettesThis specialist policy provides cover for the wide range of risks that could affect the businesses of Dry Cleaners, Launderettes and associated trades.

These include Stock, Contents, Business Interruption, Money, Goods in Transit as well as key extensions to cover including Customer Goods, Process Damage to Customer Goods, Incorrect Garment extension whilst also benefiting from a No Claims Discount of up to 25%.

CX Contract CleanersA tailored policy providing Liability cover and optional Material Damage extensions for a wide variety of trades including Domestic Cleaners, Office Cleaners, Building Cleaners, Motor and Commercial Vehicles, Domestic and Office Window Cleaners to name a few.

The policy benefits from the option to arrange cover for Treatment, Loss and/or Key Replacement, Financial Loss, Misuse of Telephones, Business Equipment and Stock cover with no restriction on the number of employees. Minimum premiums start from £250.

Both policies include as standard £5 million Public/Products Liability and £10 million Employer’s Liability.

www.ceqonline.co.uk

CX Package & SM

ECX Liability


CX EventCX Cleaning



19

As well as providing market leading insurance products for property owners, Commercial Express can also provide cover for landlord’s and tenant’s contents.

Both products are specifically tailored to provide the best coverage at the best prices.

Landlord’s & Tenant’s Contents Insurance

Full product information guides can be downloaded at www.ceqonline.co.uk

20

Landlords &Tenants Contents

Keeping treasured items safe

CX Landlords ContentsLandlords renting out properties that are fully or part furnished need look no further than this product. Cover is available on a New for Old basis for Loss or Damage and includes Replacement of Locks following Theft of Keys, Loss of Metered Water plus Loss of Rent 20% of the sum insured.

For an additional premium your client can have the benefit of extending cover to include Accidental Damage if let to Professionals and Legal Expenses, therefore offering added protection.

CX Tenants ContentsOur affordable tenant’s contents policy provides cover against Loss or Damage to personal possessions as well as Legal Liability protection with the added benefit of covering Accidental Damage to landlord’s contents. CX Tenant’s Contents is widely available for working Professional, Student and DSS tenancies and can include Accidental Damage on request.

www.ceqonline.co.uk

CX LetCX Com

mercial


mercial

Combined

CX Package & SM

ECX Liability


CX EventCX Cleaning



21

This exclusive scheme has been designed to provide comprehensive cover for any type of trailer* with any use.

Rather than relying on third party cover, Commercial Express provides cover for liability and damage in an accident or when the trailer is detached from the towing vehicle.

Trailer Insurance

A full product information guide can be downloaded at www.ceqonline.co.uk

22

Trailer

Versatile cover to match a variety of mobile trailer needs

CX TrailerCX Trailer benefits from no rating areas meaning that all risks will now be assessed on the value of the trailer regardless of its location and use.

Policy summary• Premiums start from only £89.00 inc. IPT & fee• New for Old on trailers under 3 years old• Replacement Hire cover• European use

Features & benefits• 20% Discount if Datatag theft deterrent system is used

An example of trailers covered under this policy include:• Flatbeds • Plant• Transport • Exhibition• Tipping • Boat Trailers• Horse Trailers • Commercial Goods• Car/Bike Transporters • Mobility• General Duty • Livestock • Box Trailers

* with the exception of Catering Trailers

www.ceqonline.co.uk

CX LetCX Com

mercial


mercial

Combined

CX Package & SM

ECX Liability


CX EventCX Cleaning



23

CX Caravan has been designed to provide your clients with comprehensive and competitive cover for both touring and static caravans, including park homes.

At Commercial Express we provide caravan insurance policies to cater for new and experienced caravanners, and also caravans with wide ranging values.

Static & Touring Caravan Insurance

Full product information guides can be downloaded at www.ceqonline.co.uk

24

Caravan

Relax in the knowledge your clients are covered

CX Caravan TouringCX Caravan Touring offers a generous range of discounts up to a maximum of 50%. Cover automatically includes cover for awnings, Personal Contents (25% of the caravan sum insured) and Legal Expenses.

CX Caravan StaticOur static caravan insurance policy provides policyholders with cover to a similar level as their permanent homes. A sufficient level of cover is important because static caravans often remain unoccupied for extended periods of time.

Benefiting from 10% discount if the caravan is the main residency, cover includes Personal Contents (25% of the caravan sum insured) and Legal Expenses.

www.ceqonline.co.uk

CX LetCX Com

mercial


mercial

Combined

CX Package & SM

ECX Liability


CX EventCX Cleaning



25

Commercial Express Commission Structure

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The standard level of commission for the Commercial Express product range is as follows:

CX Let CX Let - Lloyd’s 22.50% CX Let - Inter Hannover 22.50%CX Short Term Unoccupied 20.00% CX Commercial & Industrial Property Owners CX Commercial Property Owners 22.50% CX Industrial Property Owners 17.50% CX Unoccupied 17.50%

CX Commercial Combined CX Commercial Combined 17.50%

CX Package & SME CX Shop 20.00% CX Office 20.00% CX Office (Material Damage Only) 20.00% CX Public House 20.00% CX Guest House & Hotel 20.00% CX Fast Food & Restaurant 20.00% CX Wholesale 20.00%

CX Liability CX Liability (Per Capita) 20.00% CX Liability (Wages & Turnover) 20.00% CX Land Liability 17.50% CX Flooring Contractors 17.50%

CX Catering CX Outside Caterer 17.50% CX Catering Trailer 15.00% CX Catering Van 7.50%

CX Engineering CX Contractors All Risk 15.00%

CX Event CX Single Event 17.50% CX Multi Event 17.50% CX Exhibitors 17.50%

CX Cleaning CX Dry Cleaning & Launderettes 20.00% CX Contract Cleaners 17.50%

CX Landlords & Tenants Contents CX Landlords Contents 20.00% CX Tenants Contents 20.00%

CX Trailer CX Trailer 17.50%

CX Caravan CX Caravan Touring 20.00% CX Caravan Static 20.00%

Commercial Underwriting Team Email: [email protected] Tel: 0845 094 2077

We have a team of Business Development Managers based throughout the UK to provide a personal service to you fully supported by our team of Commercial Underwriters who are here to help you develop your business.

London & South East North West & South YorkshirePaul Ingleby Colin WestSenior Business Development Manager Business Development Manager Email: [email protected] Email: [email protected]: 07825 881 118 Mobile: 07825 279 200

West Country, South Wales & Northern Ireland Phil Lackie Business Development Manager Email: [email protected] Mobile: 07901 040 402

If you have a question or want more information about Commercial Express please contact your local Business Development Manager or our agency support teams.

Broker Support

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Midlands Steve FitterBusiness Development Manager Email: [email protected] Mobile: 07920 142 937

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Contact detailsFor information about any of our products or to discuss how Commercial Express can help you develop your business please call us today on 0845 094 2077Commercial Express Quotes LimitedUnits 3/4, Castlegate CourtCastlegate WayDudley DY1 4RDEmail: [email protected]: www.ceqonline.co.ukTwitter: @ceqonline

Commercial Express Quotes Limited is authorised and regulated by the Financial Services Authority No. 311067

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CX Brochure

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