Mixed-use buildings
Mixed-use building insurance for residential and commercial occupancy
Insurance for buildings that combine residences with shops, offices, restaurants, or other commercial tenants.
A mixed-use building combines residents with business activity. Insurers need the tenant mix, hours, cooking, deliveries, public access, protection, and residential occupancy described together.
Who this covers
- Retail with apartments above
- Office and residential buildings
- Mixed-use portfolios
- Buildings with restaurants or cooking tenants
- Owner-occupied commercial/residential properties
What underwriters look at
- Commercial-tenant operations
- Cooking, suppression, and exhaust systems
- Residential unit count and occupancy
- Shared entrances and common areas
- Business income or rental value (income exposure after a covered loss)
- Property, liability, umbrella, and equipment breakdown (coverage for certain mechanical or electrical failures)
Common questions
Why does tenant type matter?
Different commercial uses can change fire, liability, foot-traffic, delivery, and hours-of-operation exposures.
Is a mixed-use building a personal or commercial risk?
It generally needs commercial insurance. The final policy arrangement depends on ownership, occupancy, and insurer requirements.
Does a tenant's policy protect the building owner?
A tenant policy does not replace the owner's insurance. A request to add the owner as an additional insured gives only the rights stated in the tenant's actual policy and endorsements.
Start a conversation
Tell us about the building and its tenants.
Share the details and current coverage you already have. We’ll tell you what else is needed.