Events

Climate Risk Is Credit Risk
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. 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.

Topics include:

• Climate risk as credit risk: How leading lenders are underwriting catastrophe exposure, stress testing portfolios, and rewriting covenant language to match what borrowers can actually buy
• What are CRE lenders seeing at renewal in wildfire, hurricane, and coastal markets?
• Alternative risk transfer in practice: Parametric products, captives, and resilience-linked structures, and how they're reshaping reserves, debt service protection, and covenant flexibility
• Case studies from recent hurricanes, wildfires, and floods: Which insurance structures kept hotel loans current, where claims timing and business interruption gaps triggered workouts, and what rebuilds got right

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