cx productinformationguide 14 rf web2

www.ceqonline.co.uk

Product Information Guide

Cover in an Instant

The Online Underwriter

Welcome to Commercial Express CX Product Gallery

Cover in an Instant

As a CX Agent your business can benefit from 12 categories, 30 exclusive products

01

CX Let 02-03CX Let CX Short Term UnoccupiedCX Economy Let

CX Commercial & Industrial Property Owners 04-05CX Commercial Property Owners CX Industrial Property Owners CX Unoccupied

CX Commercial 06-07 CombinedCX Commercial Combined

CX Package & SME 08-09CX Shop CX Office CX Office (Material Damage Only) CX Public House CX Guest House & Hotel CX Fast Food & Restaurant CX Wholesale

CX Liability 10-11CX Liability (Per Capita) CX Liability (Wages & Turnover) CX Land Liability CX Market Traders

CX Catering 12-13CX Outside Caterer CX Catering Trailer CX Catering Van

CX Contractors 14-15CX Contractors All Risk

CX Event 16-17CX Single Event CX Multi Event CX Exhibitors

CX Cleaning 18-19CX Dry Cleaning & Launderettes CX Contract Cleaners

CX Landlords & Tenants Contents 20-21CX Landlords Contents CX Tenants Contents

CX Trailer 22-23CX Trailer

CX Caravan 24-25CX Caravan Touring CX Caravan Static

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

Backed by A+ rated insurers, Commercial Express specialises in offering policies for property owners along with Commercial Combined, SME, Liability insurance plus more tailored schemes such as Catering and Events.

We pride ourselves on offering first class service through our highly experienced underwriting team. We want to become your approachable, trusted insurance partner and will work hard to achieve this.

Please read through this brochure and if you have any queries please do not hesitate to call us on 0845 094 2077.

Kind regards

Duncan Pritchard Managing Director

Our InsurersCommercial Express holds a number of binding authorities, which allows underwriting and issuing our own policy documentation.

CX LetCX Com

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& Industrial POCX Com

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Combined

CX Package & SM

ECX Liability

CX CateringCX Event

CX CleaningCX Trailer

CX CaravanCX Landlords

& Tenants Contents

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

0302

LetL t

Residential Landlord & Unoccupied InsuranceTailored 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.

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 up to £5,000 landlords contents cover free of charge.

CX Let – RSAA comprehensive policy designed for residential landlords with numerous benefits including up to £5,000 landlords contents cover free of charge, plus 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.

CX Economy LetCX Economy Let offers the basic protection for today’s landords, offering up to 20% rate reduction against our standard CX Let Lloyd’s facility.

CX Contractors All Risk

CX LetCX Com

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mercial

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CX Package & SM

ECX Liability

CX CateringCX Event



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Commercial& Industrial PO

Commercial & Industrial Property OwnersLooking 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. Trades including offices, shops, restaurants, pubs, takeaways and unoccupied properties. Additional covers can include Glass and Accidental Damage for certain tenancy types.


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.

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.

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.



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CX Package & SM

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CommercialCombined

Commercial Combined InsurancePiecing 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• 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]

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.


Package & Small Business InsuranceTailored, 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.

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! 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.

We 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

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

CX LetCX Com

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CX Package & SM

ECX Liability

CX CateringCX Event



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Package& SME


CX LetCX Com

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CX Package & SM

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Liability

Liability InsuranceProtecting 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. 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.


CX Liability (Wages & Turnover)CX Liability (Wages & Turnover) provides the right level of protection for larger or more diverse business activities. 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.

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 Market TradersCX Market Traders is a specialist liability policy for market traders, offering heavily discounted liability premiums.

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.



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CX Package & SM

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CX CateringCX Event



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Catering

Catering InsuranceServing 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. 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. 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 an 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.

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.


Contractors All RiskInsuring 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• Underwritten by HSB Engineering

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

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.

CX LetCX Com

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CX Package & SM

ECX Liability

CX CateringCX Event



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ContractorsAll Risk



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Event


Single, Multi Event & Exhibitors InsuranceYou 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.

Tailored insurance for single and multi events plus exhibitors insurance for stall holders.

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.

CX LetCX Com

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CX Package & SM

ECX Liability

CX CateringCX Event



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Cleaning


Cleaning InsuranceThe 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, Manned and Unmanned 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.

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 Treatment Cover free of charge plus the option to arrange cover for Loss and/or Key Replacement, Financial Loss, Misuse of Telephones, Business Equipment and Stock cover with no restriction on the number of employees.

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

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.

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

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CX Package & SM

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CX CateringCX Event



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Landlords &Tenants Contents


Landlord’s & Tenant’s Contents InsuranceKeeping 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.

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.

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

CX LetCX Com

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CX Package & SM

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CX CateringCX Event



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Trailer


Trailer InsuranceVersatile 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• New for Old on trailers under 3 years old• Replacement Hire cover• European use

Features & benefits• Discount if Datatag theft deterrent system is used • Contents Cover now available

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

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.

Static & Touring Caravan InsuranceRelax in the knowledge your clients are covered

CX Caravan TouringCX Caravan Touring 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.

Cover also includes Personal Contents (25% of the caravan sum insured) and Legal Expenses.

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.

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

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CX Package & SM

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CX CateringCX Event



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Caravan


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Commercial Express Commission Structure

Cover in an Instant

CX Let CX Let 22.50% CX Short Term Unoccupied 20.00% CX Economy Let 22.50%

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 20.00%

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 Market Traders 17.50%

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

CX Contractors All Risk CX Contractors All Risk 15.00%

CX Event CX Single Event 17.50% CX Multi Event 7.50% 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%

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

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

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