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CRE Insights Blog
5 min read
by Jeff Hamann

Mixed-Use Property Insurance: Everything You Need to Know in 2025

Insurance for a mixed-use property can be complicated, so it's essential you understand what to look for — and how to find it.

In this article:
  1. Understanding the Unique Risks of Mixed-Use Properties
  2. Types of Insurance Coverage for Mixed-Use Properties
  3. The Challenges of Insuring Mixed-Use Properties
  4. Factors Affecting Insurance Premiums for Mixed-Use Properties
  5. How to Find the Best Policy for Your Mixed-Use Project
  6. Directly Approach Insurers
  7. Use a Traditional Broker
  8. Partner With Janover Insurance Group
  9. Conclusion
  10. Get Financing

Mixed-use properties, which combine multifamily residential units with retail, office, or other commercial spaces, have gained popularity among commercial real estate investors. These properties offer diversification and the potential for higher returns, but they also present unique insurance challenges. In this guide, we'll explore the complexities of insuring mixed-use properties and provide strategies for securing the best coverage to protect your investment.

Understanding the Unique Risks of Mixed-Use Properties

Mixed-use properties combine the risk profiles of various commercial real estate sectors, such as multifamily, retail, or office assets. Each of these property types has its own set of risks and insurance requirements. For example, multifamily properties must consider the safety and liability risks associated with tenants, while retail spaces need coverage for customer foot traffic and potential slip-and-fall accidents. Office spaces may require specialized equipment or technology insurance.

When these different property types are combined in a mixed-use development, the insurance needs become more than a little complex. A single incident, such as a fire or a liability claim, can impact multiple aspects of the property, making it crucial to have comprehensive coverage that addresses the unique risks of each use type.

Types of Insurance Coverage for Mixed-Use Properties

To properly insure a mixed-use property, investors must consider a range of coverage options:

  1. Property Insurance: This covers damage to the physical structure of the property and any common areas, protecting against perils such as fire, windstorms, and vandalism.
  2. Liability Insurance: This provides protection against legal claims arising from injuries or property damage sustained by tenants, customers, or visitors on the property.
  3. Business Interruption Insurance: If a covered event forces commercial tenants to close temporarily, this coverage can help replace lost rental income.
  4. Flood and Earthquake Insurance: Depending on the property's location, additional coverage for natural disasters may be necessary.
  5. Crime Insurance: This protects against losses due to theft, burglary, or other criminal activities on the property.

In addition to these core coverages, mixed-use properties may require specialized insurance depending on the specific needs of each commercial tenant. For example, a restaurant tenant may need liquor liability coverage, while a tech startup in an office space may require cyber liability insurance.

The Challenges of Insuring Mixed-Use Properties

One of the primary challenges of insuring mixed-use properties is finding a single insurance policy that adequately covers all aspects of the development. In many cases, investors may need to secure multiple policies or work with an insurer that offers specialized mixed-use insurance programs.

Another complexity arises from the need to allocate insurance costs among the various commercial tenants. Lease agreements should clearly define each party's insurance responsibilities and ensure that there are no gaps in coverage. And, naturally, tenants should be required to get sufficient insurance and name you as an additional insured — it's one of a few key things many owners often forget to do.

Factors Affecting Insurance Premiums for Mixed-Use Properties

Several factors can impact the cost of insuring a mixed-use property:

  1. Percentage of Each Use Type: The balance between multifamily and commercial space can affect premiums, as each use type carries different risk levels.
  2. Specific Tenant Risks: The nature of the commercial tenants' businesses can influence insurance costs. For example, a property with a restaurant or a gym may face higher premiums than one with a bookstore or an accountant's office.
  3. Property Location: Properties in areas prone to natural disasters, high crime rates, or strict building codes may face higher insurance costs.
  4. Age and Condition: Older properties or those with deferred maintenance may be more expensive to insure.

To manage insurance costs effectively, mixed-use property investors should prioritize risk management best practices, such as regular property inspections, tenant screenings, and emergency preparedness plans. Working with a knowledgeable insurance broker who specializes in mixed-use properties can also help identify cost-saving opportunities and ensure adequate coverage.

How to Find the Best Policy for Your Mixed-Use Project

When it comes to securing insurance for your mixed-use property, there are three primary options:

Directly Approach Insurers

While this may seem like a straightforward approach, it can limit your access to a wide range of insurance products and leave you at the mercy of a single company's rates and terms.

Use a Traditional Broker

Many commercial real estate investors work with insurance brokers to navigate the complexities of property insurance. However, traditional brokers may only work with a handful of insurers, limiting your options and potential savings.

Partner With Janover Insurance Group

At Janover Insurance Group, we offer a unique advantage for mixed-use property investors. Our extensive network includes thousands of insurance products from top-rated carriers, allowing us to find the best coverage options tailored to your specific needs. Our experienced team works closely with you to understand your project's unique risks and develop a customized insurance plan that optimizes coverage and cost savings.

When you choose Janover Insurance Group, you benefit from our deep expertise in commercial real estate insurance, our commitment to personalized service, and our ability to leverage our broad network of insurers to secure the most competitive rates and terms for your mixed-use property.

Conclusion

Insuring a mixed-use property can be a complex undertaking, but with the right approach and a trusted insurance partner like Janover Insurance Group, you can protect your investment and achieve long-term success.

Drop a few high-level details into this form, and we'll get in touch to walk you through the best options for your mixed-use property.

In this article:
  1. Understanding the Unique Risks of Mixed-Use Properties
  2. Types of Insurance Coverage for Mixed-Use Properties
  3. The Challenges of Insuring Mixed-Use Properties
  4. Factors Affecting Insurance Premiums for Mixed-Use Properties
  5. How to Find the Best Policy for Your Mixed-Use Project
  6. Directly Approach Insurers
  7. Use a Traditional Broker
  8. Partner With Janover Insurance Group
  9. Conclusion
  10. Get Financing
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