If you earn an income as a commercial landlord, you’ll already know something about the many responsibilities of managing one or more business properties. Arranging insurance isn’t always straightforward, especially when there are several properties to cover. Making the right choice on a policy is just as important for you as it is for your tenants. We use our skill and experience to provide you with the best possible advice.

Our commercial insurance brokers match clients with exceptional cover, tailored to their needs, and with a wide range of commercial trades catered for.

We also offer separate cover for landlord’s legal protection and rent guarantees, and for property owner’s liability insurance from £1m but with the option to increase to £5m+.

Our home insurance brokers have an excellent understanding of the growing mid- to high-net worth insurance market. We advise you not to confuse an adapted standard household policy with a genuine high net worth alternative. While some adapted policies will cover larger risk values, they may also have specific exclusions and warranties.

R T Waters Ltd can access mid- to high net worth policies which include larger single article limits. Clauses may apply to alarms, locks and safes if you don’t have any of these features fitted inside or around the home.

We can also insure valuables on an agreed value basis, helping you to resolve any future claims quickly and easily.

Clients can also use our personal and home insurance brokers to benefit from the following high net worth products:

Like all reputable commercial insurance brokers, we strongly advise that you have professional indemnity insurance in place. If you offer professional advice or services yourself, this cover protects you in the event of somebody claiming against that advice or your services. If you operate at a professional level on a regional or nationwide basis, we can provide exceptional cover through our insurer network.

Professional indemnity insurance inspires confidence amongst your own clients and generates trust in your business.

As a business owner, it is usually a matter of course to cover tangible assets, such as laptops, or tablet computers, but what would you do if your network suffered a security breach? This could result in stolen data, leading to an immediate financial impact on your business as well as damaging your company’s reputation.

A cyber insurance policy not only provides you with financial protection against fines and penalties, but it also includes legal advice, IT forensics and expert support. These experts can even rebuild your IT network should the worst ever happen.

We have access to “off-the-shelf” cyber packages which cover basic requirements for smaller businesses. For those larger bespoke risks, we have access to our London Market providers who will shape a policy unique to you and your business requirements.

Cover available includes:

If you import or export goods, R T Waters Ltd can use its panel of recommended insurers to find cover that protects them. Ship across the world, by road, rail, sea or air, with complete confidence. Our business insurance brokers have vast experience in cargo insurance and can bring a range of benefits to your business at a fair, affordable premium.

If you run a company with directors or key managers, R T Waters Ltd recommends that you carry Directors and Officers liability (D&O) insurance. The decisions of directors, and those of senior executives, could leave you or your business exposed to claims and legal costs. Directors and Officers liability insurance absorbs the cost of your defence in the event of legal proceedings, and the cost of any compensation you might be liable for in the event of an unsuccessful defence.

Because we have a large panel of insurers ready and waiting to help you, R T Waters Ltd can offer you a series of benefits:

Clients in Leatherhead, Surrey and those further afield can use our commercial insurance brokers for bespoke event cover. At R T Waters Ltd, we understand that no two events are ever the same. For this reason alone, we can work alongside our recommended panel of insurers to find you tailored policies which tie in perfectly with how you run your events.

From small exhibitions to large-scale corporate events, and also covering concerts, weddings and celebrations, we can help you to choose one-off or annual policies for national or international use. Clients can also choose from an extensive choice of add-ons that prepare ahead for the unexpected.

Standard policy benefits include:

There are numerous ways to transport goods, from delivering yourself to using a basic courier service or an international logistical company. Whether you run a small or large-scale operation, it is important to have a goods in transit policy in place. You may deliver your own goods or products on behalf of your clients. We can protect the value of consignments, or your business, from the repercussions of delays.

Our business insurance brokers work with a large panel of providers, covering a range of markets, sectors and industries to bring you a distinctive range of benefits:

For further information on any of our commercial insurance policies, please contact us on 01372 375155.

Whether you require cover for ornamental lakes and ponds, wildlife ponds or multiple fishing lakes, we offer professional advice and make sure your insurance policy includes the most suitable types of cover:

‍Lake Insurance

‍We offer comprehensive insurance which is tailored to your needs and use of your lake. You may have public access or a property on your land you wish to include in the cover. When supplying a lake insurance policy, we can arrange cover for the following:

Pond Insurance

‍Ponds offer a wide range of benefits. As well as adding a calming and decorative touch to a commercial space, they have a significant impact on the environment. Because of this, it is also important to have environmental liability insurance.

We can arrange cover to include:

Additional aspects of pond insurance can include public and employers’ liability insurance, and protection against flooding.

Because the public has access to commercial ponds, it’s essential to be covered against all potential risks. The last thing you want is to be found liable for an accident, injury or property damage simply because you don’t have the right policy.