Mixed-use buildings
Mixed-use building insurance for residential and commercial occupancy
A coordinated view of residents, commercial tenants, building systems, values, income, and liability.
A mixed-use building combines exposures that underwriters do not evaluate in isolation. The tenant mix, hours, cooking, deliveries, public access, protection, and residential occupancy all need to be described together.
A fit to explore for
- Retail with apartments above
- Office and residential buildings
- Mixed-use portfolios
- Buildings with restaurants or cooking tenants
- Owner-occupied commercial/residential properties
Common considerations
- Commercial-tenant operations
- Cooking, suppression, and exhaust systems
- Residential unit count and occupancy
- Shared entrances and common areas
- Business income or rental value
- Property, liability, umbrella, and equipment breakdown
Questions
A clearer place to begin.
Start with the practical details that shape the application and review.
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 requires commercial review, but the appropriate structure depends on ownership, occupancy, and carrier eligibility.
Does a tenant's policy protect the building owner?
A tenant policy does not replace the owner's program. Contractual insurance and additional-insured requests must be evaluated against actual policies and endorsements.
Start a conversation
Send us the risk.
Share the building, occupancy, timing, and current coverage. We’ll review it and come back with the next useful step.