CEQ Newsletter Issue 5

Property Owners!

Maximum ProtectionMinimum Fuss

Up to 25% NCD

ExpressNewsIssue 05 October 2011

Your guide to the CX Property Owners products www.ceqonline.co.uk

Commercial& Industrial PO

Commercial PO Industrial PO Unoccupied

Over 150 trades accepted Over 560 trades accepted Two tiered cover – Standard & Wider Perils

Cover in an InstantExpressNews

See inside for details on this months Hot Trade’s feature lists...

Three exclusive schemes specifically tailored for Commercial & Industrial buildings.

Cover can be secured for properties

owner occupiedLeased

Undergoing Renovation

pending Sale or Awaiting occupation

Commercial& Industrial PO

Lloyd Garbett, Underwriting Manager selects the best of the bunch across the CX Property Portfolio trades.

ExpressNews The Newsletter for Commercial Express Agents

Commercial PO

CX Commercial Property Owners provides many hot favorites for brokers this season. The list below shows a selection of our best trades for autumn / winter 2011

Hot Property News

“We are constantly asked what our best performing property owners trades are. In this latest issue of Express News we’ve listed our best trades across the portfolio of CX Commercial, CX Industrial and CX Unoccupied.” Lloyd Garbett, Underwriter Manager

Quick QuoteCX Commercial

Property OwnersQuick Quote facility for instant premium indicators available

ceqonline.co.uk

Cooking up a huge saving with Non-Deep Fat Fryers including Basket Fryers!Substantial discounts of up to 50% available

Whilst we accept risks for Deep Fat Fryers (DFF) due to the reduced exposure of a basket fryer or Non-Deep Fat Fryer (NDFF) these risks are rated accordingly offering savings of up to 50%. Basket fry

ers

classified as NDFF

• Hot Trades • Hot Trades • Hot TradesRESTaURaNTS PUBS CaFES OFF LICENCE

NEWSaGENTS GENERaL GROCERS HaIR DRESSERS BEaUTy SaLONS

Benefiting from a number of policy options including buildings, contents, loss of rent CX Commercial offers a great range of benefits and competitive premiums starting at just £250.

*Area 1 rated with 5 years No Claims Discount excluding Accidental Damage

from 0.19%

from 0.15%

from 0.15%

from 0.13%

from 0.13%

from 0.13%

from 0.13%

from 0.13%

www.ceqonline.co.uk Cover in an Instant

Industrial PO

Some of the most popular trades include:

GaRaGES (From 0.135%) PRINTERS (From 0.17%)

FURNITURE from 0.17%

• Wholesale• Retail• Manufacturing

• MOT Stations• Showrooms

• Cardboard• Textile• Plastics

Unoccupied

CX Unoccupied is an exclusive property owners’ policy for commercial and industrial vacant properties.

Providing flexibility of cover for properties undergoing refurbishment, renovation, pending sale or purely awaiting occupation, CX Unoccupied provides your clients with the option to remain on cover under the same policy if at any stage the property becomes occupied. CX Commercial & Industrial Property Owners benefit from a No Claims Discount up to 25% with cover available for unoccupied properties pending sale and renovation.

Standard & Wider peril

cover available

Dedicated to the protection of yourclients property investmentUnderstanding the risks that property owner’s face is key to the development of CX Commercial and Industrial and Unoccupied Property Owners.Our property owners’ policies are guaranteed to provide you with the right cover at competitive prices, even for the most complex of risks.

CX Commercial & Industrial Property Owners benefit from a No Claims Discount up to 25% with cover available for unoccupied properties pending sale and renovation.

•GreatdealsonPropertyOwnersinsurancewithupto25%NoClaimDiscount•MaximumProtection–StandardandWiderPerilscoveravailable•MinimumFuss–Instantonlinequotations&documentation

For all your Property Owners Insurance risks visit www.ceqonline.co.uk

More than 560 trades are now covered under the CX Industrial Property Owners scheme with great rates being offered for key industrial properties tenanted by manufacturing, processing and wholesale tradesaswellascommercialpropertyrequirements.Someofourmostpopulartradesinclude:

*Area 1 rated with 5 years No Claims Discount excluding Accidental Damage

GaRaGES from 0.135% PRINTERS from 0.17%

Outstanding Service LevelsCommercial Express are proud of the service we offer each one of our agents. We believe our continual commitment to high service levels allows us to offer the complete solution and differentiates us from our competitors.

The Newsletter for Commercial Express AgentsExpressNews

Call us on 0845 094 2077 to discuss your requirements and let us help you to develop your business

When you choose Commercial Express, you get...

• 24/7 online trading at www.ceqonline.co.uk• Competitive premiums• Outstanding service levels • No minimum commitment• Dedicated Business Development Manager

It’s easy to see who’s got the most to offer...

Working with brokers, helping you to secure more business

Minutes taken to meet referralNumber of referrals:

• Up to 5 minutes

• Up to 15 minutes

• Up to 30 minutes

• 31 + minutes

36%

45%

14%5%

Referral time of ju

st

14mins** Independent research September 2011. 338 referrals average response time of 14 minutes. Maximum referral time of 61 minutes.

Package& SME

www.ceqonline.co.uk

Helping safeguard their future with CX SME Legal Expenses• 24/7 helpline with legally trained staff to advise on employment issues • Follow advice to be protected against the costs of representation in a tribunal and any damages awarded against you • Professional help with Tax, VAT, PAYE or NIC disputes • Comprehensive range of additional covers including Property and Licence Protection

Ignoring these risks could lead to costly legal action and potentially put your clients out of businessSmall to medium sized businesses are unlikely to have the in-house resources to deal with these risks and are consequentially most at threat. The Commercial Express SME Legal Expenses policy protects against the cost of potential legal disputes, providing the legal advice and representation businesses need to minimise their exposure.

“With employment and contractual disputes on the up many businesses are in greater need of

legal expenses insurance.”*

Commercial Express SME Legal ExpensesOptional extension on CX Shop, CX Office, CX Public House, CX Wholesale, CX Guest House & Hotel

NEW

Cover in an Instant

Underwritten by Ageas Insurance Ltd

Full policy benefits can be viewed onlinewww.ceqonline.co.uk *Ministry of Justice figures – 236,100 employment tribunals in 2009/10 up by 56% on the previous year

Cover in an Instant

LetL t

Satisfaction guaranteed with CX LetRent Guarantee extension

CX Let – rent guarantee extension helping landlords avoid the pitfalls •Cover provided on the property with no restrictions to the number of tenancies•12 month cover guaranteed with no hidden charges•No reference of Tenants required•Highly competitively rated

Rates based on rent per calendar month:Up to £400 £84.80£401 to £750 £111.30£751 to £1000 £137.50£1001 to £1500 £180.20£1501 to £2000 £240.62Over £2,000 Refers

All premiums include Legal Expenses insurance and IPT

The CX Let Rent Guarantee extension is designed to cover landlords wishing to protect themselves against non-paying tenants and associated costs to remove the tenant from the rental property if applicable.

Protecting rents with no hidden costsCover is for 12 months with no restrictions to the number of tenancies and unlike many other insurers’, as a standard feature of our Rent Guarantee cover we do not impose any addition fees for change of tenancy as the policy covers the landlord’s property.

Key features and benefits of rent guarantee Insurance(only available as an optional extension of Landlords Legal Expenses)• Annual policy not requiring notification of tenant/change of tenant details• Genuine Limit of Indemnity of £30,000 in unpaid rents• Prompt interim payment pledge - in landlord’s account within 7 days of the end of each unpaid month’s rental• Highly competitive rate based on rent per calendar month• Priced per property not per tenant• Truly first class legal advice helpline operated 24/365

Underwritten by Ageas Insurance Limited

Full details of CX Let Optional covers including Legal Expenses, Rent Guarantee and Emergency Assistance can be viewed online www.ceqonline.co.uk

Liability & Tools

Public Liability up to £10,000,000 now available on ALL trades260 Trades available online - Sole Traders, Partnerships, Limited Companies & EmployeesFeatures & Benefits• Public Liability up to £10,000,000 available for all trades• Up to 30% No Claims Discount available• Bona Fide Sub Contractors included for FREE• No maximum turnover limit

Plus new trades added.......Windscreen Repairs £58.23Windscreen Fitters £99.04Car Chip / Scratch Companies £61.94Floral & Plant Arrangers £50.81Dog Groomers £58.23Electrical Contractors (including 10% Industrial) £67.88Wedding Planners £54.52

Premiums include IPT & feePublic Liability £1m limit of indemnity. Trading claim free for 5 years.

Cover in an Instant

260 Trades

available online