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Protecting Properties With Both Residential & Commercial Tenants
Why Mixed-Use Buildings Need Specialist Insurance
Mixed-use buildings have complex risk profiles due to different occupancy types under one roof - retail units, offices, restaurants, and residential flats. Standard landlord insurance is rarely sufficient. Insure24 sources cover that protects every part of your building and the revenue it generates.
Core Covers for Mixed-Use Properties
Flexible protection for buildings with commercial and residential tenants.
- Buildings Insurance – fire, flood, storm, escape of water & accidental damage
- Commercial tenant risks (restaurants, shops, cafés, offices)
- Residential tenant risks (HMOs, AST tenants, long-lets, short-lets)
- Property Owners’ Liability
- Legal Expenses (evictions, disputes, repossession)
- Alternative accommodation & loss of rent
- Subsidence & structural movement (optional)
- Terrorism cover (optional)
Common Risks for Mixed-Use Buildings
- Fire originating from commercial kitchens
- Escape of water from residential flats
- Public liability claims from customers or tenants
- Damage to shopfronts or signage
- Unoccupied commercial units increasing risk
- Tenant disputes, arrears or abandonment
- Business interruption affecting rental income
- Structural issues from mixed occupancy usage
Why Choose Insure24
- Specialists in commercial & residential blended risks
- Access to UK’s leading property insurers
- Competitive pricing for complex buildings
- Fast quotes & same-day documentation
- Expert support for claims & tenant disputes
“Insure24 arranged cover for our mixed-use block quickly and at a better price than our previous insurer. Excellent service.”
Mark R., Property InvestorFREQUENTLY ASKED QUESTIONS
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What is mixed-use property insurance?
Mixed-use insurance covers buildings that contain both commercial units (shops, offices, restaurants) and residential flats. It protects the structure, liability, rental income and legal exposures.
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Can one policy cover both commercial & residential tenants?
Yes - we source combined policies specifically designed for mixed-use occupancy, ensuring the entire building is covered without gaps.
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Does insurance cover loss of rent?
Yes - you can cover rental income, including separate streams for commercial and residential tenants.
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Can I insure unoccupied commercial units?
Yes - vacant commercial areas can be included, but may require enhanced security conditions and adjusted premiums.
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Do I need separate insurance for the commercial tenant’s business?
No - your policy covers the building. Tenants must insure their own contents, stock, fittings and business activities.