The most common and most likely answer to this crossword clue is the 7 letter word MOLLUSC
I've seen this crossword clue in Financial Times
M
O
L
L
U
S
C
More clues leading to the result MOLLUSC
- Spineless creature welcomes us to Flanders clubs
- Criminal's partner from America caught a slug?
- Furry creature without a tail, not half attractive – and one with a shell
- Shellfish from lake fed to nervous locums
- Gangster’s partnercaught [awkward] invertebrate
- Slug perhaps producing instant lines on tussock periodically
- Little Miss Malone onto us about what’s on her wheelbarrow
Buddy explains!

The straight part
We know that "one with a shell" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case one with a shell = mollusc.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does MOLLUSC mean?
MOLLUSC noun- A soft-bodied invertebrate of the phylum Mollusca, typically with a hard shell of one or more pieces.
- A weak-willed person.