Insuring and Financing Hospitality in High-Risk Geographies

Insurance availability is shrinking, premiums are compressing NOI, and traditional covenant language is increasingly out of step with what hospitality borrowers can actually buy in catastrophe-exposed markets. For CRE lenders, the gap between policy and protection has become a credit issue. In addition to discussion of current markets, this session draws on case studies from recent hurricanes, wildfires, and floods to examine what insurance structures have kept hotel loans performing, where claims timing and business interruption realities have triggered workouts, and how alternative risk transfer is filling capacity gaps. Designed for banks, debt funds, credit officers, and asset managers active in coastal, wildfire, and other high-risk geographies.