Specialist Mixed-Use Property Insurance
Shop Downstairs, Flats Upstairs? We Specialise in Properties Like Yours.
Mixed-use properties get declined because they don't fit neat boxes. A café downstairs and flats above? A boarding house with retail? Standard insurers don't have appetite. We work with specialist underwriters who do.
10+
Specialist Insurers
ISR
Access
24hr
Response
Recognition
At Tank Insurance, we've placed cover for dozens of mixed-use properties across Australia. We know how to get these properties covered.
Versatile Coverage
Whether it's a retail shop with flats above, a café with a single residence on the top floor, or a larger block with multiple tenants and commercial space at street level.
Commercial Property Specialists
We work with specialist commercial underwriters who understand mixed-use risk profiles, ensuring your entire asset is protected under one policy.
The Problem
Why Mixed-Use Properties Get Declined
Received a "Non-Renewal" notice or been told your property is "outside guidelines"? You're not alone.
Mixed-use buildings don't fit neatly into standard commercial or residential policies. Most insurers only have appetite for one or the other, not both under the same roof.
Hospitality Tenants
A takeaway or café downstairs changes the entire risk profile. Most insurers won't touch it.
Heritage Buildings
Older construction with mixed materials falls outside automated guidelines.
Boarding Houses
Registration requirements and multiple occupants add complexity insurers avoid.
The Solution
Why We Can Help
We've built relationships with specialist commercial underwriters who specifically have appetite for mixed-use properties. Where others see complexity, we see opportunity.
Specialist Access
Direct relationships with underwriters like AXIS, Pen, and The Barn who specifically have appetite for mixed-use.
Heritage Expertise
We know how to present older buildings with mixed construction to get competitive terms.
One Policy
Building, contents, loss of rent, and liability for both commercial and residential. All under one cover.
Proven Results
Recent Placements
Real examples of mixed-use properties we've placed in the last few months.
Regional Victoria
Heritage Shop-Top
1880s heritage building, 50/50 residential and office. Multiple insurers declined due to occupation type.
$3,500
Placed after multiple declines
Inner Sydney
Boarding House & Café
Early 1900s building with sandwich shop, boarding house, and apartment. $1.7M sum insured.
$7,400
Premium funding available
Brisbane
Character Shop-Top
1920s character building with photography studio and residential. Mixed construction types.
$6,700
Placed after being declined elsewhere
"Mixed-use properties can be seen as complex because of the different profile of risk. The residential and commercial aspects together. We have a great panel of underwriters that specialise in exactly this, and it's genuinely satisfying being able to find solutions with competitive terms and premiums."
Brady Henderson
Property Insurance Specialist, Tank Insurance
Ready to Get Your Property Covered?
Fill out the form above, or scroll back up to get started. One of our property insurance specialists will be in touch within 24 hours.