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Mixed-use building with retail at ground level and residential apartments above

Mixed-Use Strata Insurance

Strata cover for buildings that combine residential apartments with commercial tenancies. We have access to underwriters with appetite for combined residential and commercial schemes.

Market

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Underwriters

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Industry Awards

Mixed-use strata buildings are among the most complex to insure. The combination of residential and commercial occupancy creates underwriting challenges that require access to underwriters with specific appetite for mixed-use schemes.

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Why Mixed-Use Is Different

A ground-floor restaurant changes the risk profile of an entire building. Underwriters assess the worst-case tenancy when pricing mixed-use strata. Proper risk presentation to the right underwriters can make a significant difference to pricing.

Tenancy Mix Considerations

From retail and hospitality at ground level to offices and apartments above. Each tenancy type affects underwriting appetite and pricing differently, and not all underwriters have the same appetite.

WHY TANK INSURANCE

How we help mixed-use strata schemes

Mixed-use buildings have underwriting considerations across both commercial and residential occupancy. We have access to multiple strata underwriting markets and can approach underwriters with appetite for mixed-use schemes.

Modern mixed-use development with retail podium and residential tower

01

Tenancy Risk Assessment

We assess how each commercial tenancy affects the building's overall risk profile and present this clearly to underwriters to secure better terms.

02

Multiple Market Access

Mixed-use schemes are harder to place. We work across multiple strata underwriters who have appetite for combined residential and commercial buildings.

03

Levy Optimisation

A competitive premium means lower levies for all lot owners. We re-market mixed-use schemes annually to keep pricing in check.

04

Claims Assistance

We can assist with claims involving commercial tenant damage to residential common property and vice versa. That familiarity informs how we approach cover structure.

RISK ASSESSMENT

Key Risks for Mixed-Use Strata Buildings

The combination of residential and commercial occupancy creates unique exposures that your strata policy must address.

Fire spread between commercial and residential sections with different occupancy patterns
Water damage from commercial kitchens or plant rooms affecting residential lots above
Public liability claims in shared lobbies, lifts, and car parks used by tenants and residents
Underinsurance when building valuations don't account for mixed construction types
Complex tenancy disputes between residential and commercial lot owners over levies
Building defects in newer mixed-use developments with waterproofing and cladding issues
Increased foot traffic from retail tenancies raising common area liability exposure
Regulatory compliance across residential and commercial fire safety standards

Every mixed-use building has its own risk profile. A building with professional offices below apartments is very different to one with a commercial kitchen. We tailor the insurance approach accordingly.

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POLICY SCOPE

What Mixed-Use Strata Insurance Covers

A comprehensive policy for mixed-use buildings must cover both residential and commercial exposures across the entire strata scheme.

Mixed-use building with ground-floor retail and upper residential levels
Mixed-use building with ground-floor retail and upper residential levels

Usually Covered

✓ Building structure across both residential and commercial sections
✓ Common property including shared lobbies, lifts, car parks, and loading areas
✓ Public liability for incidents in all common areas
✓ Office bearers liability for committee management decisions
✓ Machinery breakdown for lifts, HVAC, and essential building plant
✓ Loss of rent for common property areas during repairs

Not Typically Covered

✕ Individual lot contents and tenant fitouts
✕ Tenant business interruption or loss of trading income
✕ Wear and tear or gradual deterioration
✕ Pre-existing building defects
✕ Individual landlord liability (requires landlord insurance)
✕ Bodily injury within individual lots (tenant's public liability)

Mixed-use policies require careful attention to how commercial and residential sections are described in the schedule. We review this to ensure there are no coverage gaps.

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QUESTIONS

Mixed-Use Strata Insurance FAQs

Mixed-use strata insurance covers buildings that contain both residential and commercial lots under a single strata scheme. This includes apartment buildings with ground-floor retail, office towers with residential levels, and developments combining shops, offices, and apartments. The policy covers the building structure, common property, and the owners corporation's liability.
Commercial tenancies introduce higher risk. A restaurant on the ground floor creates fire and water damage exposure that a purely residential building doesn't have. Underwriters price for the worst-case tenancy in the building, and the combination of residential and commercial occupancy means both fire safety and liability risks are elevated. That said, proper risk presentation can significantly reduce premiums.
Yes, significantly. Some tenancy types make placement difficult. Restaurants, takeaway food outlets, childcare centres, gyms, and tattoo parlours all affect underwriting appetite. We have access to underwriters who are comfortable with a range of commercial and residential tenancy combinations and can present the risk on your behalf.
Insurance levies are typically allocated based on unit entitlements set out in the strata plan. Commercial lots often have higher entitlements reflecting their greater use of common property and higher risk profile. The owners corporation determines levy contributions, and our role is to ensure the overall premium is competitive so the total levy burden is minimised.
In most cases, no. The strata legislation requires the owners corporation to insure the entire building under a single policy. However, some schemes with staged development or separate strata plans may have distinct policies. We review your strata plan to determine the correct insurance structure.
Mixed-use building at dusk representing mixed-use strata insurance

Strata Cover for Mixed-Use Buildings

We work directly with owners corporations to secure competitive cover for mixed-use schemes. No referral fees, no hidden costs.

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Expert Review: 20/02/2026

Verified by Tank Insurance Brokers

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