As most landlords will no doubt have experienced, tenants will not be as concerned with the upkeep of a property as a home owner.

Recently, a landlord (our policyholder) experienced an extreme example of this lack of care, where a tenant had not only left the property with rent in arrears, but also left it in a terrible state. The walls had been graffitied, the kitchen destroyed and last but most certainly not least, the flooring riddled with animal excrement.

Fortunately for the landlord, they held cover under a commercial combined policy for the malicious damage caused by the ex-tenant and D E Ford was able to review the claim and offer a cash settlement in a very short space of time.

Without this cover, the cost for not only the lost income, but also the refurbishment of the property would have fallen solely to the policyholder.

If you would like more information on any of our Claims or Insurance services please CLICK HERE

Covid-19 Notification

We are following guidance and trying to ensure that our staff can work from home where possible. If you wish to make contact, please continue to use the direct telephone or email details for your usual contact(s).

If you are making a general enquiry or do not know your service contact(s) please call 01904 784141or send an email to

xCenta Risk Management Portal

Our team of Risk Managers have been busy developing and building a new Microsite portal. Our aim is to update the service to ensure our risk management clients continue to have access to lots of useful risk assessment guidance, case studies, forms and templates.

To access the Resource Portal, please Click Here to log on to our xCenta system.

If you have any questions or are unsure of your Username or Password, please speak directly to our xCenta Support Team on 01777 861829.

Thank you.

Site Navigation