Meet The Team


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.

Duncan Pritchard

Managing Director

Duncan works closely with the Senior Management Team to drive the growth and strategic development of Commercial Express.

His focus is to establish the long term vision of the company and ensure the right people are recruited for the job and thereby deliver our promise to our agents. Duncan is an entrepreneur with a passion for business, whose qualities include leadership, forward thinking and determination.

Karen Percy

Sales & Distribution Director

Karen has spent more than 30 years in the industry having held senior posts with both Insurers and MGA’s. She brings experience, creativity and enthusiasm to the business and is well known to many of our agents. Her ultimate goal is to make Commercial Express the best performing MGA, a joy for brokers to trade with.

Kristian Bartlett

Regional Sales Manager

Kristian has over 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.

Kellie Stephens

Underwriting Service Manager

Cert CII

Kellie has worked in the insurance industry for over 26 years, starting at General Accident in personal lines underwriting. Her career has spanned personal lines, commercial lines underwriting, claims and credit control with Norwich Union, Aviva, Crawfords and Axa. Her passion is leading her team to provide an exceptional service to our customers. She is also currently studying for her DIP CII.

Caroline Fisher

Corporate Account Manager (National)

Cert CII

With over 30 years’ experience in the industry, Caroline’s expertise is continually reflected in her ability to create, secure and maintain relationships with existing and new customers. Her number one focus is to ensure all the agents she works with are delighted with the Commercial Express service. Outside of the office, Caroline is an ambassador for the Commercial Express brand and her passion and loyalty for everything we do is reflected in her success.

Phil Lackie

Senior Account Manager (South West & NI)

Over the course of his 20 year career, Phil has worked in claims, underwriting and broking. He specialises in building and maintaining useful relationships and providing solutions quickly and effectively. As Senior Account Manager at Commercial Express, Phil is responsible for relationship management and agency development in South West, Northern Ireland and South Wales.

Paul Price

Account Manager (North London & Essex)

With over 32 years’ experience in the industry, Paul has an extensive understanding of the insurance market and ways to develop new business. As our most experienced Account Manager at Commercial Express, Paul loves identifying new development opportunities and working with those agents to help them grow.

Paul Ingleby

Account Manager (London & South East)

Paul began working in insurance in 1989 and moved over to Commercial in 2005 after a collective 13 years’ with Zurich. Life as a BDM started when he first joined Commercial Express in August 2009, covering a panel of over 300 agents, progressing to Senior BDM before moving on in May 2014. Paul rejoined Commercial Express in January 2016. Paul most enjoys the freedom and flexibility to develop his agents, to manage and maintain them in line with their goals and requirements as a CE Account Manager.

Derek Cluderay

Account Manager (Scotland & North East)

Derek has been working within the Insurance Industry for over 14 years; dealing with personal & commercial clients including underwriting. Derek plans to enhance Commercial Express’ existing support in Scotland and the North East of England, whilst illuminating the overall product suite, helping to identify new business opportunities to help our agents grow.

Tom Barrett

Account Manager (North West & Yorkshire)

Tom has over 6 years’ experience in the insurance industry, spending three and a half years at Allianz starting as a Sales Executive and then moving to the renewal team. Tom also spent two and ½ years at Zurich, originally as a Sales Co-ordinator then progressing to a Trading Underwriter. Tom has always been interested in sales and really enjoyed the sales roles that he previous held and he is looking forward to the challenges that await him as a Commercial Express AM. Tom hopes to have his Dip CC within the next two years and plans to develop strong relationships with his panel.

Angela Thompson

Account Manager (Northern Ireland)

Angela has been working within the insurance industry nearly 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 Combined. She then moved from Zurich to One Commercial which is an MGA, dealing in similar products but extending this to CAR and Fleet. Her role within CE will be Account Manager for NI, the role sounded really interesting and challenging to Angela. She is really looking forward to working with new colleagues and focusing on all the NI agents.

Shalman Ahmed

Account Management Support Officer

Sham is office based and looks after our remaining agents whilst also supporting the Account Managers who are out on the road. Sham has over 9 years’ experience within the insurance industry and uses his excellent people skills to make business simple for our agents and our people.

Tom Bolstridge

Technical Underwriting Manager

Tom previously held the position of Regional Trading Underwriting Manager with Arista. With over 17 years experience in the insurance industry, having also worked for AIG. Tom has joined during a time of significant growth and investment for the company. 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 and is very important to him. Communication is a must also, and he likes to try and create a collaborative and open environment as this will lead to a place where people will want to work and develop their own careers and inspire new ideas and direction.

John Askill

Assistant Technical Underwriting Manager

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 parties.

Erin Pugh

Technical Underwriter

Erin specialised in Commercial Combined underwriting and was renowned for her ability to build authentic and lasting partnerships with agents. 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.

Simon Rowley

Underwriting Team Leader

Working towards Cert CII

Simon looks after the day to day management of the Commercial Express underwriting team and has over a decade of experience in the industry. Simon has been with the company over 5 years’, previously in the role of the Senior Catering Underwriter, where his wealth of knowledge and flexible underwriting approach has contributed to the great success of the Catering, Event and Caravan schemes.

Louise Caffery

Underwriting Team Leader

Cert CII

Louise has been working in the insurance industry for the last 18 years, her experience is largely in Technical Claims however since joining Commercial Express last July she has thoroughly enjoyed the transition from Claims to Underwriting. Louise currently leads the Property, Commercial Combined and Package teams. Louise’s favourite part of her role is helping the development and growth of her teams and ensuring that we are offering a first-class service to our customers.

Peter Reed

Senior Property Owners Underwriter

Working towards Cert CII

Peter has worked at Commercial Express for 4 years and has recently became the Senior of the Property Owners team. Peter has previously worked for insurance brokers such as Coversure and Footman James. During the 4 years at Commercial Express, Peter has gained a wealth of experience in underwriting and leads the team on a day to day basis to ensure a first-class customer service is always delivered to our agents. Peter has built a great working relationship with all of our agents and hopes this will develop even further.

Brook Poxon

Property Owners Underwriter

Working towards Cert CII

Brook comes to us after 4 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 out.

Claire Willis

Property Owners Underwriter

Cert CII

Claire has been in the industry just under 9 years. She spent just under 5 years at Endsleigh where she worked in customer services for household, motor and student possessions policies. She spent the last 4 years at a Lloyds broker, Bennett Gould and Partners (BGP) where she was an account handler, on non-standard household risk binders underwriting risk for brokers. Claire wanted to work for CE to increase her knowledge and experience in an underwriting role. She is most looking forward to learning the products and getting to know members of the team.

Zarrar Tariq

Liability Underwriter

Cert CII working towards DIP

Zarrar 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 clients.

Warren Gibbs

Liability Underwriter

Working towards Cert CII

Warren has over 15 years’ experience in the industry. He’s a team player who strives to make our agents’ experiences with Commercial Express as straight forward as possible. Specialising in SME and Liability, Warren’s vast experience and sound knowledge of the market make him an essential part of the Commercial Express team.

Richard Wilson

Liability Underwriter

Cert CII

Richard 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 challenge.

Karen Horton

Commercial Combined Underwriter

Working towards Cert CII

Karen 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 work.

Tom Cartwright

Senior SME Underwriter


Tom has over 5 years experience working in the insurance industry, including over 2 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 products.

Sarah Cartwright

SME Underwriter

Cert CII

Sarah has worked in Insurance for 7 years, beginning in personal lines in 2009 in Dublin for around 2 years and then moved to commercial insurance. Sarah has been working in the UK since July 2014 on package products. She became an underwriting technician in October 2014 covering Combined, Property Owners and Contractors. Sarah enjoys speaking to agents on a daily basis and her hope is to move on to become a Senior Underwriter at Commercial Express.

Luke Hanson

Catering & Events Underwriter

Cert CII

Luke began working in the insurance industry in 2005, previously working at Aon/Footman James and most recently The Insurance Factory. He brings both knowledge and experience to the underwriting team and enjoys speaking to agents on a daily basis.

Matt Cheadle

Catering & Events Underwriter

Working towards Cert CII

Matt joins the team from Arthur J Gallagher and has over 4 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 relationships.

Maziko Kalebe

Renewals Underwriter

Maziko has worked in insurance for two and half years, working at Footman James as a New Business Account Handler dealing with Motor Trade Combined, Motor Trade Road Risks, Liability, Multi Vehicle, High Net Household and High Net Vehicles Policies. Maziko wanted to work for Commercial Express because of the opportunity to become an underwriter with a successful and growing company that offers the opportunity progress his career. Maziko is working towards becoming a successful underwriter at CE by providing a great service across all products. He also plans to complete his CII Diploma and ACII within the next five years and eventually become an Account Manager.

Sally Scott

Renewals Underwriter


Sally 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 relationships by problem solving and finding solutions for customers’ insurance needs.

Sharmina Rahman

Renewals Underwriter

Sharmina is responsible for underwriting renewals across the majority of schemes at Commercial Express. She loves to be highly organised and enjoys communicating with customers.

Andrew Fisher

Renewals Underwriter

Cert CII

Andrew has been in the insurance industry for over 3 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.

Giuseppe Cosenza


Giuseppe is 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 spends time with every department gaining the knowledge to become an underwriter. He is also studying for his CII qualifications. He was interested by the company’s ambitious nature and growth over the last few years. He is most looking forward to furthering his knowledge and understanding of insurance with the help of the team around him.

Mark Williams

Learning & Development Manager

Mark brings over 6 years’ experience in the industry including Learning & Development Specialist for NFU Mutual. Mark joined Commercial Express as he felt it was a brilliant opportunity to share his experience with an exciting, growing company. Mark’s mission is to build a first class learning and development culture to benefit all members of the CE team and to create a genuine learning culture. Mark is committed to delivering outstanding learning solutions and developing our staff and our customers.

Siân Hickman

Training Co-ordinator

Siân Hickman is our Training Academy Co-ordinator who spends her time delivering training courses to brokerages of all shapes and sizes across the UK. Siân has more than a decade of experience in underwriting and insurance, and is passionate, enthusiastic and extremely knowledgeable. Siân enjoys meeting agents who she has dealt with for many years, giving them hints and tips on our products to make their day to day jobs easier when working with Commercial Express.

Phil Bowers

Finance Manager

An experienced Finance Manager, Phil manages all of Commercial Express’ financial accounting, monitoring, reporting systems and personnel. Phil’s keen eye for detail and methodical approach to managing finance is motivated by his desire to manage efficient systems which develop our people and drive Commercial Express forward. Phil is responsible for reviewing and monitoring service standards to ensure procedure and actions are always in place.

Bronte Wisbey

Finance Team Leader

Bronte has over 10 years’ experience in the Insurance industry with Commercial Express, originally employed in the Underwriting department. Bronte 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.

Victoria Cooper

Finance Administrator

With over 5 years’ experience in the financial industry, Victoria uses her excellent communication skills and attention to detail to ensure that all Commercial Express wholesale accounts and premium credit accounts are kept in order and up to date. Her favourite thing about working at Commercial Express is building solid relationships with our agents to ensure all payment issues are resolved as quickly and efficiently as possible.

Rhiannon Allport


Rhiannon worked for over 18 months as a receptionist and telephonist at Audi, answering calls and greeting walk-in customers. Rhiannon is a people-person and enjoys building lasting relationships with our agents.

Emma Lowndes

Compliance Manager

Emma has worked within the insurance industry for 21 years, with the last nine years spent at Premium Choice Ltd. Her insurance background is predominately Personal Lines based both within Insurance Companies and Brokers. Her responsibility at CE is to ensure we are compliant and remain compliant with our regulators. She wanted to work for an organisation who look after their staff and where she hopes to make a real difference. This is a very exciting time not only to be a protector of all business but to become a positive resource for everyone to use.

Ben Gilbert

Claims Relationship Manager

Ben Gilbert is our Claims Relationship Manager and brings over 13 years claims experience in the insurance industry, working previously at Barclays Bank, Legal & General, GAB Robins, and Aspray24 among others. Ben’s vision is to provide a first class claims and aftersales service that sets Commercial Express apart from anyone else in the market. He most enjoys building relationships, knowing that the service provided has helped someone in the event of them having a claim.