London: 01992 718666
Carlisle: 01228 549430

The insurance specialists and much more

Bookmark this site   |   Translate this page:

The below gives you an overview of the essential covers for a property owner.

Buildings insurance – landlord’s buildings insurance covers property damage as standard from all major specified risks such as fire, storm & flood, lightning & earthquake, explosion, aircraft, riot, falling trees, etc. The cover is also available with accidental damage and subsidence, landslip & heave.

Contents insurance – covers your possessions within the rental property, such as furniture and fittings. Tenants must buy their own contents cover to protect their own possessions.
Property Owners liability insurance – we include public liability as standard on all our property owners policies, this covers you against claims made by tenants for damage to their property or personal injury arising from incidents connected with your rental property. You can increase the level if you need to.

Loss of rent or Alternative Accommodation – we can include a minimum level of cover which compensates you if you lose rental income because your property cannot be occupied or accessed due to an insurable peril. You may get a percentage of your rental income or the cost of alternative accommodation automatically included depending on your insurer. Please ask one of our members of staff for further information.

  • Product Info
  • Eligibility
  • Discount
  • Customers
  • Claims
  • What's Covered

Tailored specifically for commercial property owners with one or more properties Shearwater can design a policy with a combination of covers packaged together to provide you with the knowledge and security that your investment is adequately protected. You can rest assured with Shearwater you will be fully covered at the most competitive premium.

Commercial property owners can benefit from a number of policy options that include Buildings, Landlords Fixture & Fittings and Loss of Rent as well as property owners liability. Cover can be secured for properties that are have mixed usage with residential flats above, owner occupied, leased, undergoing renovation, pending sale or awaiting occupation.

Key Features:

  • Accidental Damage available for many trades
  • Buildings Index linking and Day One reinstatement available providing inflation protection
  • Optional Loss of Rent available unless unoccupied
  • Shop frontage, glass canopies & signage available
  • Property Owners’ Liability
  • Trace and Access available
  • "Cover available for unoccupied properties pending sale and renovation"
  • Optional Employers Liability
  • Optional Terrorism cover available
Read More

With over 560 trades we can cover commercial premises occupied by businesses in:

  • Retail Trades
  • Manufactiring Trades
  • Wholesale Trades
  • Processing Trades
  • Unoccupied Property undergoing renovation & refurbishment
  • Unoccupied Property pending sale or awaiting occupation
Read More

Policies vary from insurer to insurer however discounts are available with selected insurers for the following:

  • Up to 25 % discount for no claims
  • The property to be insured has up to date IEE Electrical Certificates
  • The property has a logged annual maintenance program
Read More

"As a Receiver and Chartered Surveyor, one cannot over estimate the value of working with people who genuinely understand what is required at the first time of asking and are on hand and responsive in the event of a claim. I have used Shearwater for all my insurance needs, both business and personal for many years and find they deal with me as an individual and always in an exceptional manner."

Nick Burd, MRICS Principle of Luscombe Trehane.

Read More

In the event that you may need to make a claim, even if you are unsure that the incident will lead to a claim, it is vital to notify the office as soon as possible after the incident has occurred.

UK Telephone: 01992 707316

With Shearwater we are always on call to help and we know that an incident does not always occur Monday to Friday 9-5. That is why a member is staff is on call outside of office hours to offer advice and support whenever you need it.

We have a dedicated claims handler who is your first port of call in the event of an incident. As soon as we have checked that your claim is covered by your policy, we will get the process moving.

In all cases we look to deal with your claim as quickly and efficiently as possible and will keep you informed of our progress.


Read More

The below gives you an overview of the essential covers for a property owner.

Buildings insurance – landlord’s buildings insurance covers property damage as standard from all major specified risks such as fire, storm & flood, lightning & earthquake, explosion, aircraft, riot, falling trees, etc. The cover is also available with accidental damage and subsidence, landslip & heave.

Contents insurance – covers your possessions within the rental property, such as furniture and fittings. Tenants must buy their own contents cover to protect their own possessions.
Property Owners liability insurance – we include public liability as standard on all our property owners policies, this covers you against claims made by tenants for damage to their property or personal injury arising from incidents connected with your rental property. You can increase the level if you need to.

Loss of rent or Alternative Accommodation – we can include a minimum level of cover which compensates you if you lose rental income because your property cannot be occupied or accessed due to an insurable peril. You may get a percentage of your rental income or the cost of alternative accommodation automatically included depending on your insurer. Please ask one of our members of staff for further information.

Read More
Insurance Expert
Name Ian Clements
Experience Ian is also one of our longest serving members of the team with some 40 years experience.
  If you are looking for trailer insurance our team of equestrian insurance specialists should be your first port of call. We will find you an insurance policy that shields you against accident
string(311) "SELECT * FROM #__categories WHERE `extension`='com_content' && `published`='1'  && `id`!='201' && `id`!='2' && `id`!='8' && `id`!='13' && `id`!='14' && `id`!='15' && `id`!='16' && `id`!='9' && `id`!='10' && `id`!='201' && `id`!='202' && `id`!='211' && `id`!='2' && `id`!='2' && `id`!='2' ORDER BY RAND() LIMIT 1"

Case Study

"Being involved in the steel fabrication and security industry it is vital that our assets, customers and staff are all protected to the highest level. It is also vital I have a broker who I can trust to look out for my interests. The team at Shearwater n...Read more

Premier SS Ltd & Premier Security Consultants LLP

Neil Johns