We know how lucky we are at CCL to have Lisa on our team. Putting aside for a moment, the years of experience and professionalism in the industry that she brings, Lisa is the ultimate People Person. This shows in the way she expertly handles tricky and difficult claims and maintains excellent relations with both our clients and the insurers and always with a genuine smile. She is renowned for her fair dealing and always listens to all sides in a claim.
It came as no surprise to us when Lisa expressed interest in becoming a Mental Health First Aider (MHFA). Thus bringing an added extension to her skills, and definitely no surprise that she recently successfully qualified.
The course has given Lisa confidence in her approach when dealing with people in her daily work. In this business we often have to deal with clients who have experienced overwhelmingly negative events. We may even have to deliver news that is not what the client is expecting. So knowing how to correctly manage and help navigate our clients through these difficult times is essential.
The MHFA course trains people to identify, understand and help someone who may be experiencing a problem and to listen, reassure and respond in a crisis. And to recognize when people may need to access further support.
People can experience anxiety when dealing with claims and Lisa is skilled in taking the pressure away from them giving a high level of customer service. Lisa applies what she has learned in her MHFA training and guides and encourages clients to take the necessary action. This follows through to supporting her family, friends and colleagues too.
This is an example of the kind of person our Lisa is. When the CEO of CCL gave all staff an hour off to get an ice-cream in the sunshine with a loved one. Instead of doing something for herself, Lisa selflessly took this time to be with a friend who was recently bereaved and support her in every way she could. Hardly surprising that Lisa works so hard to get the very best outcome for our clients, it’s in her DNA.
To find out more about Mental Health First Aid England here is the link. MHFA England is a social enterprise, their vision is to improve the mental health of the nation.
Lisa is currently studying a Human Resources course through CIPD. In her own words, this is in order to create a positive work place for her colleagues.
Jocelyn Pado – Where Experience Meets Precision
Meet Jocelyn Pado, a powerhouse in the insurance brokerage world with an impressive 34-year track record spanning continents and industries. As Accounts Manager at Cobine Carmelson, she’s the steady hand behind complex Commercial Combined and Liability Insurance solutions, bringing decades of real-world expertise from the Philippines to the UAE and now to the UK market.
Picture this: A client wrestling with intricate policy requirements, uncertain coverage gaps, or cross-border insurance challenges. Jocelyn steps in with the calm confidence that only comes from three decades of navigating every conceivable scenario. She doesn’t just process policies—she architects protection strategies that actually work when clients need them most.
Holding her Cert CII since 2013, Jocelyn combines technical precision with a genuine understanding of what keeps business owners awake at night. She’s seen market shifts, regulatory changes, and industry transformations across multiple regions, giving her an almost sixth sense for anticipating client needs before they even articulate them.
Her clients describe her approach as refreshingly straightforward: no jargon, no runaround, just clear answers and reliable solutions. Whether it’s a start-up navigating their first commercial policy or an established business expanding internationally, Jocelyn ensures they’re not just covered—they’re protected.
When she’s not safeguarding businesses, you’ll find Jocelyn exploring new destinations or enjoying quality time with her family, bringing the same warmth and attention to detail to her personal adventures as she does to every client relationship.
Kristine Mirabueno – Making Excellence Look Effortless
If you ask Jason what makes Kristine exceptional, he’ll tell you it’s not just what she does – it’s how she thinks. With six years of experience supporting C-suite executives and founders across different industries, Kristine joined Cobine Carmelson with something rare: the ability to see three steps ahead while managing what’s right in front of her.
Working remotely from the Philippines, Kristine operates in a different time zone, which means when the UK team starts their day, the groundwork is already done. Campaigns are built. Events are coordinated. Problems are solved before they become problems. But what sets Kristine apart isn’t just efficiency – it’s her understanding that in insurance brokerage, every touchpoint matters because businesses are depending on us to protect what they’ve spent years building.
Take the recent cyber insurance seminar. While most people see event coordination as logistics – book the venue, send the invitations, show up on the day – Kristine sees it differently. She knows that for a business owner sitting in that room, this might be the conversation that saves them from a devastating ransomware attack. So, she doesn’t just “coordinate” – she ensures every detail supports that outcome. The PowerPoint presentation includes custom animations that make complex concepts clear. The follow-up system captures exactly how each attendee found us, because if LinkedIn outreach brought in five CEOs who need protection, we need to do more of it.
After the event, Kristine spent hours cross-referencing data across three platforms – Eventbrite, LinkedIn Helper, and Keap – to map the complete journey of every single attendee. Not because anyone asked her to, but because she understood something important: knowing whether someone engaged with the newsletter three weeks ago versus discovering us on Eventbrite the day before tells us how to reach the next business owner before disaster strikes.
Kristine takes her professional development as seriously as she takes her work. She recently completed security awareness training through KnowBe4 – not for a certificate to display, but because understanding cybersecurity threats makes her better at supporting our cyber insurance practice. She’s currently studying insurance fundamentals through professional courses because she believes you can’t truly support clients in this industry without understanding what’s at stake when a claim goes wrong or when a business isn’t properly covered.
Kristine will tell you that the best support work is invisible – when systems run smoothly, when nothing falls through the cracks, when the team can focus on clients because the infrastructure just works. But what she’s building isn’t just operational efficiency. She’s building the pathways that connect business owners who need protection with the expertise that can help them. And in insurance, that work saves livelihoods.
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Jason Cobine – Insurance Maverick, Protection Strategist
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Meet Jason Cobine, the Maverick Insurance Broker with over 25 years of battle scars in safeguarding organisations from the perils of the unpredictable. As the Director of Cobine Carmelson, he’s not just a broker; he’s a strategic ally, a guardian of assets, income streams, and reputations.
Picture this: Working shoulder-to-shoulder with Managing Directors, Partners, Business Owners, and Founders who find themselves in the maze of uncertainty, unsure if their fortress is fortified enough against potential storms. They seek Jason’s counsel not just for insurance, but for a paradigm shift in protection, a reassurance that their dreams won’t crumble in the face of adversity.
In the realm where clients breathe cyber security like oxygen, Jason emerges as their beacon of hope, showing them how insurance isn’t just a shield but a dynamic force that adapts to their evolving needs. It’s not just about reducing risk; it’s about empowering dreams while safeguarding them against the unseen.
So, if you’re seeking Business Insurance that doesn’t just play by the rules but rewrites them, Jason Cobine is your man. It’s not just insurance; it’s empowerment. It’s not just protection; it’s peace of mind. It’s Business Insurance that does what you want, when you want, how you want.
When it comes to Cyber Security, it’s all about keeping things crystal clear. People get why it’s important, what it covers (and what it doesn’t), and they’re onto those sneaky escape clauses. They’re also itching to know what they are going to pay – because, let’s face it, it’s all about value for money, right? And when the digital hits the fan, they’re looking for a roadmap on what to do next.
