Pre-existing medical conditions, lack of interest/ticket sales, and financial insolvency of the parties are standard exclusions - and pencilled dates without contracts or letters of agreement cannot be claimed.
An outdoor event company cancelled two performances due to floods as neither audience nor artists could access the site since all approach roads were under water.
A singer fell ill with laryngitis days before a European festival appearance. A last minute replacement was found, contracted and travelled in time to make rehearsals and the performance.
A leading orchestra arrived at London Heathrow prior to an international tour to find the airport closed due to a strike. Cancellation of the tour would have been a big cost to the carrier - let alone the audience disappointment, and so instead thecarrier paid for the orchestra to be transported to London Gatwick, where a private plane was chartered to fly them to the first country of the tour.
A US group was due to appear in London three days after 9/11 and with all flights out of New York grounded they were unable to travel, forcing cancellation of the event.
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Tech-based business is 24/7, global and borderless, always exposing you to new risks and liabilities - often in unfamiliar places. As the law struggles to keep pace with technology, insurance can provide a real safety net if you fall foul of changing legislation.