Insurance for High-Rise & Mixed-Use Projects
Tall buildings concentrate risk: complex structures, curtain walls, vertical systems and, in mixed-use towers, residential, retail and office owners under one roof.
Applications ask about buildings over 15 stories separately, and some carriers price or limit high-rise work.
Why High-Rise Work Is Different
Leaks, glass failures and wind issues on a tall facade are expensive to fix.
Settlement, deflection and wind behavior get close attention.
Residential condos in a tower bring association claims on top of commercial owners.
For example: the curtain wall leak
Two years after a 22-story mixed-use tower opens, water leaks through the curtain wall on several floors, damaging condo units and a ground-floor restaurant. The association and the restaurant owner both bring claims.
The facade consultant’s review scope, the curtain wall designer’s shop drawing approvals, and the architect’s coordination are all examined, and the condo units bring association claims into a commercial project.
Hypothetical example for illustration. Coverage for any claim depends on the policy terms and the facts.
High-Rise & Mixed-Use: Common Questions
Is a residential tower treated as condo work?
If the units are condominiums, usually yes, and it may be priced as condo work on your application.
Should we buy a project policy for a tower?
For large towers it is common. It separates one big exposure from your firm’s annual limit.
Does a facade consultant need its own professional liability?
Yes. Owners and architects rely on facade reviews and testing, and a leak on a tall building is expensive. Consultants should carry limits that match the building, not just their fee.
Disciplines Most Active on High-Rise & Mixed-Use Projects.
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.