Different uses deserve a coordinated review.
A mixed-use building combines residential and commercial exposures. The type of business, lease requirements, and the relationship between owner and tenants can change the questions an insurer needs answered.
Residential and commercial occupancy
Identify each tenant’s operations, the number of apartments, and any vacant space. A restaurant, retail store, and office can present different considerations.
Property and income
Discuss the building, covered causes of loss, deductibles, and rental-income needs together. Share any upcoming renovations or changes in use.
Lease and liability details
Bring insurance requirements from leases for review. Ask how owner coverage, tenant coverage, and requested certificates relate to one another.
These are topics to discuss, not a statement of coverage. Available options depend on the property or operation, underwriting, and the specific policy. Review limits, exclusions, and deductibles before choosing coverage.