Property types
The three buildings we write most
A lessors risk policy looks similar across these three. The law that reaches the owner does not. Mixed-use answers to occupancy-separation and fire code; retail answers to premises liability and what the lease moved around; office answers to vacancy provisions and building systems. Different questions, so different pages.
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Mixed Use Property
HABITATIONAL COMPONENT. Fire separation and occupancy-separation code, building-stock vintage, and the carrier-appetite line that a residential floor draws across an otherwise commercial risk.
Signature coverage on this type: ordinance or law.
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Retail Property
PREMISES LIABILITY AND LEASE STRUCTURE. Foot traffic and the duty owed to invitees, tenant mix and anchor-tenant dependency, triple-net allocation of who insures what, and the strip-versus-center physics that changes the exposure.
Signature coverage on this type: general liability.
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Office Property
VACANCY AND BUILDING SYSTEMS. The vacancy provision and what it does once a building passes the policy threshold, professional tenancy, equipment-breakdown exposure in building systems, and tenant-improvement/betterment ownership.
Signature coverage on this type: business income loss of rents.
What we do not write here
Apartments and multifamily go to Apartment Guard Insurance . A mixed-use building with residential floors above commercial ground-floor space still belongs on this side — the habitational component is an underwriting question, not a different product.