Mixed-use buildings
Insurance for mixed-use buildings — apartments over storefronts
Residential upstairs, retail or offices on the ground floor. Mixed-use buildings need a policy that understands both, and how the commercial tenants change the risk. We set it up so the pieces fit.
What it can cover
- Building property for the residential and commercial portions
- Loss of rents from both apartments and stores
- Premises liability for sidewalks, entrances and common areas
- Requirements for commercial tenants to carry their own insurance and name you
- Glass, signs and equipment breakdown where available
- Umbrella limits above your primary policy
Who it's for
- Corner buildings with stores below apartments
- Walk-ups with storefronts on the ground floor
- Buildings with restaurants, salons, offices or medical tenants
- Owners who want one advisor across residential and commercial
What affects your price
- What the commercial tenants do (a restaurant is rated differently than an office)
- Square footage of commercial vs residential space
- Cooking, sprinklers and fire protection
- Lease insurance requirements and certificates on file
- Building age, updates and construction
- Prior losses
Coverage depends on the policy and underwriting. We'll explain exactly what your estimate includes.
Why us
Buildings are the whole job.
Markets not everyone has
Access to insurance markets and programs for real estate that aren't available everywhere — more options to compare for your building.
A sharper price
We shop your building so you see what the market will really offer, and we look for savings without cutting the coverage you need.
Buildings. Only buildings.
Buildings are what we do: multifamily, mixed-use, brownstones, HDFC and co-ops, office, industrial and retail buildings, vacant buildings and renovations.
A human on every file
Every request is reviewed by a person on our team, not a pricing robot. You get an estimate you can actually rely on.
Renewal coming up? Send us the building.
One form, a few minutes. We shop our markets and email you an estimate after a real review.