Retail & Mixed-Use Property Insurance
Protection for Your Property and Your Cash Flow
Retail and mixed-use buildings sit at the heart of thriving neighborhoods. They blend storefront energy with residential stability. They offer foot traffic, rental income, and long-term growth but they also come with complex risk.
At Refine Risk, we specialize in building layered, flexible insurance strategies that reflect the reality of modern mixed-use ownership. Whether you own a single storefront with apartments above or manage a block of commercial units and rental spaces, we design protection systems that preserve your cash flow and your peace of mind.
Who This Coverage Is For
You need specialized mixed-use or retail property insurance if you:
- Own buildings that include both residential and commercial tenants
- Lease to restaurants, salons, retail shops, or medical offices
- Manage small walk-ups, strip malls, or ground-floor storefronts with apartments above
- Invest in Westchester, NYC, Fairfield County, or the NJ Gold Coast
- Want to protect income and equity, not just the building
We serve hands-on landlords, seasoned real estate investors, and family trusts who value smart, intentional risk management.
What’s Covered
| Coverage Area | What It Protects |
|---|---|
| Property Insurance | Covers the building structure and permanently installed features |
| General Liability | Protects you against claims of bodily injury or property damage on-site |
| Loss of Income | Replaces rental income if the property becomes unusable due to a covered loss |
| Equipment Breakdown | Covers systems like HVAC, boilers, and elevators when mechanical failure occurs |
| Tenant Improvements | Helps honor lease terms for build-outs or restoration after a loss |
| Ordinance & Law Coverage | Covers upgrades to meet newer codes after a covered event |
| Water & Sewer Backup | Optional but essential protection for basements and lower-level commercial spaces |
| Umbrella Liability | Extends protection beyond your standard liability limits |
Common Claims We Help Prevent and Cover
- Pipe bursts in basement retail units
- Fire damage from tenant kitchens
- Wind or water intrusion from storm events
- Trip-and-fall liability in shared common areas
- Power surges that disable HVAC systems
- Loss of rent due to forced evacuation or major repairs
Why Local Expertise Matters
Every municipality and region has its own building codes, permit processes, and insurance quirks. From Scarsdale to SoHo, from Stamford to the Gold Coast, local market knowledge shapes better outcomes.
At Refine Risk, we know which carriers actually understand mixed-use structures. We know what coverage the lenders require, and we anticipate what city inspectors or tenants might flag before it’s a problem.
We don’t just insure properties. We help investors protect their cash flow, reputation, and long-term returns.
Proactive Support for Smarter Risk Management
Insurance is only one part of the equation. We also help you build loss prevention and risk management programs:
- Lease review to assess insurance language and tenant responsibility
- Liability limit recommendations based on foot traffic and usage type
- Preventative maintenance checklists to avoid claims before they happen
- Annual policy reviews to reflect changes in rent roll, renovations, or valuations
Why Refine Risk
- Deep experience with both commercial and residential underwriting
- Relationships with carriers who specialize in mixed-use buildings
- A dedicated advisor who understands your portfolio and goals
- Service built around speed, clarity, and intention
We serve as your protection partner, not just a policy provider.
Local Service Areas
We proudly support property owners in:
Westchester County: Tuckahoe, Bronxville, Scarsdale, Eastchester, Larchmont, Rye, White Plains
New York City: Upper Manhattan, Brooklyn brownstones, Queens mixed-use walkups
Fairfield County, CT: Greenwich, Stamford, Norwalk
New Jersey Gold Coast: Hoboken, Jersey City, Edgewater
How to Get a Quote
The quoting process is simple. We gather key building details, your rent roll, and lease structure. Then we deliver options that make sense for your risk, not just your zip code.
Call our office or head to our quotes page to get started.
FAQ Section
What makes mixed-use properties riskier to insure?
These properties combine different uses and risk profiles like residential living and retail foot traffic. That creates more complex exposures, which require tailored underwriting.
Can tenants provide their own insurance?
Yes, and we’ll help you set clear lease requirements and verify coverage certificates.
Do I need separate policies for each unit type?
No. We can combine your exposures into a master commercial package with tailored endorsements.
Does a triple net lease protect me as the owner?
Triple net leases shift some cost, but you’re still the named insured and responsible for the structure and common areas. You still need coverage.