The fall flu season is here and no one has any idea how bad the H1N1 Virus will affect film production sets, special event planners and operators of Fairs and Festivals. Transferring the risk to insurance is one solution but it will not solve all the potential H1N1 scenarios.
Potential impacts are as follows:
1. Film/Television production companies could have cast/crew get sick or be quarantined. If an individual is insured under Cast coverage with no exclusion then coverage would be afforded if they get sick. However, if they (or the crew) are quarantined without illness there would be no coverage.
2. If a production company are filming an event and the event gets cancelled due to H1N1, there would be no coverage unless cancellation of event coverage is arranged the event cancellation coverage included cancellation due to H1N1.
3. If crew members or production company personal are scheduled to travel and they can't due to H1N1 there would be no coverage.
4. If the production company is hosting a special events and they have event cancellation coverage they need to look at the specific insurance policy wording to see whether coverage would be provided for an H1N1 outbreak, or a government cancellation of the public event due to H1N1.
5. If normal business operations ie post house, art gallery etc. can not operate due to staff sickness there is no coverage.
6. If fairs and festivals are cancelled due to H1N1 outbreak there is no coverage unless cancellation of event coverage is arranged that included cancellation due to H1N1.
I think you can get the picture that there are a lot of scenarios where: production companies, special event planners and operators of Fairs and Festivals could be affected that would not be insured.