Specialist property insurance
Mixed-Use Property Insurance
One policy for buildings with commercial use downstairs and residential accommodation above.
About this cover
A shop, office or café with a flat above needs cover that treats both parts of the building correctly. Standard home insurance will not cover the commercial risk, and a pure commercial policy may miss the residential letting. We arrange mixed-use property insurance that covers the whole building — the commercial ground floor and the residential accommodation above — under one renewal date with one point of contact.
Who it's for
- Owners of shops with a flat or maisonette above
- Cafés, restaurants or takeaways with residential upper floors
- Investors in mixed-use high-street or parade properties
- Landlords converting commercial premises to include residential space
What can be covered
- Buildings cover for the whole property — commercial and residential parts
- Property owner's liability to tenants, customers and the public
- Loss of rent from both the commercial unit and the residential flat
- Employer's liability where staff are employed
- Accidental and malicious damage by commercial or residential tenants
- Legal expenses and rent guarantee options
Get a Mixed-Use Property Insurance quote
Tell us about your property and a specialist adviser will come back to you with options.
Start your quoteRelated cover
Commercial Landlord Insurance
Specialist cover for commercial premises — offices, shops, warehouses and mixed-use buildings.
Residential Landlord Insurance
Buy-to-let cover that protects your property, your income and your liability as a landlord.
Property Portfolio Insurance
One policy, one renewal date — consolidated cover for landlords with multiple properties.