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Product Governance and Fair Value Assessment

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Product Governance and Fair Value Assessment

This page was last updated on 6 November 2023

Camberford Underwriting is committed to conducting its business in a fair, honest and open manner and we have a focussed team in place to provide appropriate oversight, governance and controls.

We have a range of products available to our broker distributers and we conduct reviews of our products regularly.

To assist our brokers with obligations as distributors, the following can be viewed below:

  1. A summary of our Product Approval and Ongoing Product Governance Process
  2. A list of our Products
  3. Product Governance and Fair Value Assessments (including Target Market Statements) for each of our products

The list and assessments do not include products distributed exclusively to a distributor, and we will communicate separately to such brokers in this regard.

Please direct any request or queries to product.governance@camberford.com.

We welcome any feedback from our distributors regarding the performance of our products. Such feedback will be considered in the subsequent product review.


Product Approval and Ongoing Product Governance Process

Please click on the PDF document provided to view a summary of our Product Approval and Ongoing Product Governance Process.


Camberford Product List

The following is a list of products available from Camberford Underwriting. The majority of these are available, generally, to brokers with a live TOBA/agency; however availability can depend on other considerations, for example: balance of account mix, or a specific focus or campaign.

This list, and specifically the product numbering, correlates with the Product Governance and Fair Value Assessments which are provided below.

1. Electrical, Heating, Ventilation, Plumbing And Air Conditioning Contractors

2. Lift Engineers

3. Flooring Contractors

4. Roofers and Scaffolders

5. Arboricultural Contractors, Tree Surgeons & Associated Activities

6. Contractors Combined

7. Contract Works

8.

9. Leisure Pursuits

10. Leisure Equipment Hirers

11. Hotels and Guest Houses

12. Restaurants and Public Houses

13. Nightclubs and Late Bars

14. Caravan and Chalet Parks

15. Sports and Social Clubs

16. Leisure Homes (Holiday Homes, Static Caravans and Holiday Park Homes)

17. Unoccupied Property Owners (now replaced by products 32.a to 32.h)

18. Residential Property Owners (now replaced by products 32.a to 32.h)

19. Commercial Property Owners (now replaced by products 32.a to 32.h)

20. Domiciliary Care Services Providers

21. Care Homes (New India)

22. Commercial Combined

23. Recruitment Agency and Employment Businesses

24. Tour Operators and Travel Agents

25. Excess Of Loss (Public and Products Excess Liability)

26. Commercial Legal Protection (DAS Legal Expenses) (for the Security and Cleaning sectors)

27. Cleaning Industry

28.

29. Close Protection

30. Security Industry

31.a Professional Indemnity (Design and Construct)

31.b Professional Indemnity (Miscellaneous)

32.a Property Owners (Axa)

32.b Property Owners (Residential – Axis)

32.c Property Owners (Commercial – Axis)

32.d Property Owners (Covea)

32.e Property Owners (Zurich)

32.f Property Owners (Ergo)

32.g Property Owners (XL Catlin)

32.h Commercial Property Owners Legal Solutions (Arag)

33. Soft Play


Product Governance and Fair Value Assessments (including Target Market Statements)

1. PG & Fair Value Assessment (Electrical and HVAC) November 2023 (PDF)

2. PG & Fair Value Assessment (Lift Engineers) November 2023 (PDF)

3. PG & Fair Value Assessment (Flooring Contractors) November 2023 (PDF)

4. PG & Fair Value Assessment (Roofers & Scaffolders) November 2023 (PDF)

5. PG & Fair Value Assessment (Arboriculture Contractors) November 2023 (PDF)

6. PG & Fair Value Assessment (General Contractors) November 2023 (PDF)

7. PG & Fair Value Assessment (Contract Works) November 2023 (PDF)

9. PG & Fair Value Assessment (Leisure Pursuits) November 2023 (PDF)

10. PG & Fair Value Assessment (Leisure Equipment Hirers) November 2023 (PDF)

11. PG & Fair Value Assessment (Hotel & Guest House) November 2023 (PDF)

12. PG & Fair Value Assessment (Restaurant and Public Houses) November 2023 (PDF)

13. PG & Fair Value Assessment (Nightclub & Late Bar) November 2023 (PDF)

14. PG & Fair Value Assessment (Caravan & Chalet Parks) November 2023 (PDF)

15. PG & Fair Value Assessment (Sports & Social Clubs) November 2023 (PDF)

16. PG & Fair Value Assessment (Leisure Home) November 2023 (PDF)

19. PG & Fair Value Assessment (Commercial Property Owners) November 2023 (PDF)

20. PG & Fair Value Assessment (Domiciliary Care) November 2023 (PDF)

21. PG & Fair Value Assessment (Care Homes New India) November 2023 (PDF)

22. PG & Fair Value Assessment (Commercial Combined) November 2023 (PDF)

23. PG & Fair Value Assessment (Recruitment Agency) November 2023 (PDF)

24. PG & Fair Value Assessment (Tour Operators & Travel) Agents) November 2023 (PDF)

25. PG & Fair Value Assessment (Excess of Loss PL) November 2023 (PDF)

26. PG & Fair Value Assessment (DAS Legal Expenses) November 2023 (PDF)

27. PG & Fair Value Assessment (Cleaning Industry) November 2023 (PDF)

28. PG & Fair Value Assessment (Greens Cleaning Industry) November 2023 (PDF)

29. PG & Fair Value Assessment (Close Protection) November 2023 (PDF)

30. PG & Fair Value Assessment (Security Industry) November 2023 (PDF)

31a. PG & Fair Value Assessment (Professional Indemnity D&C) November 2023 (PDF)

31b. PG & Fair Value Assessment (Professional Indemnity Misc) November 2023 (PDF)

32.a PG & Fair Value Assessment (Property Owners (Axa)) 10 March 2023 (PDF)

32.b PG & Fair Value Assessment (Property Owners (Residential) Axis) 10 March 2023 (PDF)

32.c PG & Fair Value Assessment (Property Owners (Commercial) Axis) 10 March 2023 (PDF)

32.d PG & Fair Value Assessment (Property Owners (Commercial) Covea) 10 March 2023 (PDF)

32.e PG & Fair Value Assessment (Property Owners (Zurich)) 10 March 2023 (PDF)

32.f PG & Fair Value Assessment (Property Owners (Ergo)) 10 March 2023 (PDF)

32.g PG & Fair Value Assessment (Property Owners (AXA XL)) 10 March 2023 (PDF)

32.h PG & Fair Value Assessment (Property Owners (Arag Legal Expenses)) 10 March 2023 (PDF)

33. PG & Fair Value Assessment (Soft Play) 24 Feb 2023 (PDF)

34. Camberford Real Estate Product Governance and Fair Value Assessment 2024-2025 v2.0 (PDF)

1. PG & Fair Value Assessment (Electrical and HVAC) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

1. PG & Fair Value Assessment (Electrical and HVAC) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

2. PG & Fair Value Assessment (Lift Engineers) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

2. PG & Fair Value Assessment (Lift Engineers) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

3. PG & Fair Value Assessment (Flooring Contractors) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

3. PG & Fair Value Assessment (Flooring Contractors) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

4. PG & Fair Value Assessment (Roofers & Scaffolders) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

4. PG & Fair Value Assessment (Roofers & Scaffolders) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

5. PG & Fair Value Assessment (Arboriculture Contractors) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

5. PG & Fair Value Assessment (Arboriculture Contractors) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

6. PG & Fair Value Assessment (General Contractors) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

6. PG & Fair Value Assessment (General Contractors) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

7. PG & Fair Value Assessment (Contract Works) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

7. PG & Fair Value Assessment (Contract Works) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

9. PG & Fair Value Assessment (Leisure Pursuits) 4 Feb 2022 (archive 27 Feb 2023) (PDF)

9. PG & Fair Value Assessment (Leisure Pursuits) 27 Feb 2023 (archive 21 Nov 2023) (PDF)

10. PG & Fair Value Assessment (Leisure Equipment Hirers) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

10. PG & Fair Value Assessment (Leisure Equipment Hirers) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

11. PG & Fair Value Assessment (Hotel & Guest House) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

11. PG & Fair Value Assessment (Hotel & Guest House) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

12. PG & Fair Value Assessment (Restaurant & Public House) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

12. PG & Fair Value Assessment (Restaurant & Public House) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

13. PG & Fair Value Assessment (Nightclub & Late Bar) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

13. PG & Fair Value Assessment (Nightclub & Late Bar) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

14. PG & Fair Value Assessment (Caravan & Chalet Parks) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

14. PG & Fair Value Assessment (Caravan & Chalet Parks) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

15. PG & Fair Value Assessment (Sports & Social Clubs) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

15. PG & Fair Value Assessment (Sports & Social Clubs) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

16. PG & Fair Value Assessment (Leisure Home) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

16. PG & Fair Value Assessment (Leisure Home) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

17. PG & Fair Value Assessment (Unoccupied Property) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

17. PG & Fair Value Assessment (Unoccupied Property) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

18. PG & Fair Value Assessment (Residential Property Owners) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

18. PG & Fair Value Assessment (Residential Property Owners) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

19. PG & Fair Value Assessment (Commercial Property Owners) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

19. PG & Fair Value Assessment (Commercial Property Owners) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

20. PG & Fair Value Assessment (Domiciliary Care) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

20. PG & Fair Value Assessment (Domiciliary Care) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

21. PG & Fair Value Assessment (Care Homes - New India) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

21. PG & Fair Value Assessment (Care Homes - New India) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

22. PG & Fair Value Assessment (Commercial Combined) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

22. PG & Fair Value Assessment (Commercial Combined) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

23. PG & Fair Value Assessment (Recruitment Agency) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

23. PG & Fair Value Assessment (Recruitment Agency) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

24. PG & Fair Value Assessment (Tour Operators & Travel Agents) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

24. PG & Fair Value Assessment (Tour Operators & Travel Agents) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

25. PG & Fair Value Assessment (Excess Of Loss PL) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

25. PG & Fair Value Assessment (Excess Of Loss PL) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

26. PG & Fair Value Assessment (DAS Legal Expenses) 4 Feb 2022 (archive 19 Aug 2022) (PDF)

26. PG & Fair Value Assessment (DAS Legal Expenses) 19 Aug 2022 (archive 24 Feb 2023) (PDF)

26. PG & Fair Value Assessment (DAS Legal Expenses) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

27. PG & Fair Value Assessment (Cleaning Industry) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

27. PG & Fair Value Assessment (Cleaning Industry) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

29. PG & Fair Value Assessment (Close Protection) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

29. PG & Fair Value Assessment (Close Protection) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

30. PG & Fair Value Assessment (Security Industry) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

30. PG & Fair Value Assessment (Security Industry) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

31.a. PG & Fair Value Assessment (Professional Indemnity D&C) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

31.b. PG & Fair Value Assessment (Professional Indemnity Misc) 4 Feb 2022 (archive 24 Feb 2023) (PDF)

31a. PG & Fair Value Assessment (Professional Indemnity D&C) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

31b. PG & Fair Value Assessment (Professional Indemnity Misc) 24 Feb 2023 (archive 21 Nov 2023) (PDF)

32.a PG & Fair Value Assessment (Property Owners (Axa)) 4 Feb 2022 (archive 16 Mar 2023) (PDF)

32.b PG & Fair Value Assessment (Property Owners (Residential) Axis) 4 Feb 2022 (archive 16 Mar 2023) (PDF)

32.c PG & Fair Value Assessment (Property Owners (Commercial) Axis) 4 Feb 2022 (archive 16 Mar 2023) (PDF)

32.d PG & Fair Value Assessment (Property Owners (Commercial) Covea) 4 Feb 2022 (archive 16 Mar 2023) (PDF)

32.e PG & Fair Value Assessment (Property Owners (Zurich)) 4 Feb 2022 (archive 16 Mar 2023) (PDF)

32.f PG & Fair Value Assessment (Property Owners (Ergo)) 4 Feb 2022 (archive 16 Mar 2023) (PDF)

32.g PG & Fair Value Assessment (Property Owners (XL Catlin)) 4 Feb 2022 (archive 16 Mar 2023) (PDF)

32.h PG & Fair Value Assessment (Property Owners (Arag Legal Expenses)) 4 Feb 2022 (archive 16 Mar 2023) (PDF)

33. PG & Fair Value Assessment (Soft Play) 29 Nov 2022 (archive 24 Feb 2023) (PDF)

34. Camberford Real Estate Product Governance and Fair Value Assessment 2023-2024 v1.0 (archive 27 Feb 2024) (PDF)

34. Camberford Real Estate Product Governance and Fair Value Assessment 2024-2025 v1.0 (archive 29 Feb 2024) (PDF)