Insurance for Mixed-Use Properties

One Policy for Buildings with Both Residential & Commercial Tenants

Mixed-use buildings are unique—and so are their insurance needs. Whether your property combines storefronts with apartments, or offices above retail, Empire Insurance Services offers specialized coverage that protects every corner of your investment.

We understand the complexity of balancing residential and commercial risks, and we deliver seamless coverage solutions that safeguard both sides of your operation.

Coverage Designed for Mixed-Use Buildings

Our policies provide broad protection for buildings that include both residential and commercial spaces:

Property Damage (fire, water, storm, etc.)
Premises & General Liability
Tenant Injury Liability (residential + commercial)
Loss of Rents or Business Income
Dwelling & Structural Coverage
Lead & Mold Exposure Protection
Umbrella/Excess Liability Options
Workers Comp for on-site employees

We tailor each policy to your exact building layout and tenant makeup, giving you peace of mind and a single point of accountability.

Ideal for Properties Like:

Simplified Portfolio Management

If you own multiple mixed-use buildings or combine them with residential-only or retail-only properties, we offer portfolio coordination to manage everything under one efficient umbrella.

Local Experience, National Coverage

Serving NYC, Miami, and more than 20 states including NJ, IL, PA, CT, FL, and NY, we ensure your policy meets both local compliance standards and broader business goals.