Post-fire insurance availability in Grand Lake is a live structural issue as of early 2026:
- Many insurance carriers won't write the "additionally insured" endorsement SkyRun requires in owner agreements.
- Rental Guardian's liability coverage ($50/reservation) is a workaround — can substitute for a carrier endorsement. Discovered on a corporate call in Mar 2026.
- Fire season concerns also drive booking urgency — owners who wait to sign may lose the summer booking window.
How to apply: For any Grand Lake prospect, lead with the Rental Guardian liability workaround — it's an objection-killer. For any onboarding stalled on an "additionally insured" requirement, Rental Guardian covers the gap. When scoping market expansion, assume Grand Lake carrier friction will persist.