Mixed-Use Precincts.

Mixed-use precincts are developments where residential, commercial and sometimes retail lots sit within a single building or master-planned community. Insurance for these precincts is rarely a single off-the-shelf product: it is a bespoke program designed across our underwriter panel, structured to the precinct's specific configuration.

Who it is for

• Vertical mixed-use towers (ground-floor retail, mid-floor commercial, upper-floor residential)
• Master-planned communities with multiple strata schemes
• Layered schemes (where a primary scheme contains subsidiary schemes)
• Hotel and short-stay mixed with residential
• Build-to-rent and BTR-adjacent precincts

Typically includes

• Coordinated cover across the primary scheme and any subsidiary or layered schemes
• Shared common property between residential and commercial components
• Public liability scaled to the precinct's foot-traffic profile
• Machinery and plant for shared infrastructure
• Loss of rent for body-corporate-owned spaces across residential and commercial
• Catastrophe and consequential cover designed for the precinct as a whole

Considerations at placement

• Layered scheme structure: which scheme owns which property element
• Insurance allocation between schemes within the precinct
• Interface between hotel or short-stay components and residential
• Build-to-rent and BTR-adjacent regulatory and insurance frameworks
• Cross-scheme claim coordination

Cover specifics vary by carrier and the risk profile of the scheme. Talk to a broker to scope the right placement.