Skip to content
Ting Insurance Services LLC
Menu
A small-town main street at dusk with brick buildings, lamp posts and flags

Mixed-use building insurance

Look at the shops and apartments as one building

Homes upstairs, businesses downstairs, and insurance questions about both. For a mixed-use building insurance review, tell us about each tenant's use, the shared spaces and your current policy.

Request a quoteBook a call

What it usually covers

  • The building. Coverage for the insured structure, completed additions and permanently installed fixtures.
  • Owner-owned contents. Protection for business personal property you own and use for the building's operation.
  • Owner liability. Help with covered injury or property-damage claims connected with the premises or your operations.
  • Rental income after insured damage. Loss-of-rents coverage can help when covered building damage makes space unfit to occupy.
  • Optional rebuilding-code costs. Ask about ordinance-or-law coverage for certain costs triggered by building or zoning requirements after a loss.

Who it is for

For owners of a building with commercial space and residential units, such as a storefront with apartments upstairs. Tell us what each business does, how much space it occupies and how the residential space is used. Business activities and property details help determine the coverage review.

You do not need to sort every coverage question before you contact us. Start with a clear description of the whole building and your existing policies.

We look at your property and your liability together, in one review. As part of every quote, we review the current policy and coverage documents you provide.

Only residential rentals? See Apartment buildings for five or more units or Landlord insurance for one to four units.

What to have ready

Start with what you have:

  • The building address, ownership entity and current policies.
  • Total square footage and its residential/commercial split.
  • A tenant list describing each business and the number of residential units.
  • Lease insurance requirements and annual rental income by use.
  • Construction details, major system updates and a rebuilding estimate.
  • Available claims history and details of vacant space or planned work.

Common questions

Is mixed-use insurance one standard policy? (show answer)
Think of it as a coverage review for the building's uses. A Commercial package combines coverage parts; the proposal needs to reflect the actual property and operations.
Why ask what the commercial tenants do? (show answer)
The type of business matters in commercial insurance. A description of each tenant's work helps explain the building beyond its address and size.
Does loss-of-rents coverage pay when a tenant simply stops paying? (show answer)
The coverage described here responds to rental income lost because insured damage makes the building unfit to occupy, not ordinary unpaid rent.
Can a BOP fit instead? (show answer)
A Business owners policy has rules for business type and size. Describe both uses before assuming it fits a mixed-use property.

Tell us what happens on each floor

Start with your tenant mix and current policy so we can review the building as a whole.

Request a quoteBook a callEmail us

We review your request and contact you.

Sources (1)

  1. Commercial Insurance Guide - California Department of Insurance. Accessed Nov 1, 2026. Commercial package structure, property, liability, rental income, ordinance or law, BOP underwriting and application review.