High profile premier hotel in coastal Florida financed by an institutional lender as a stand-alone securitization. The subject property was at risk for windstorm, storm surge and flood and the borrower maintained a blanket policy covering multiple properties in the vicinity of the property. Further, Borrower maintained less than market standard for these perils while the lending group, investors and rating agencies each had heightened concerns over adequacy of coverage given the high risk location and intended execution. Harbor spent months obtaining significant detail regarding exposure under the blanket and investigating the subject property through site visits and sourcing of other relevant property, historical and modeling data. By utilizing this data and our proprietary insurance analytics, Harbor successfully designed and negotiated a ground-breaking insurance solution that was satisfactory to the borrower and was fully accepted by the lending group, rating agencies and investors.