The tickets were sold on a name. The name has laryngitis.

Illness, injury and death

The named artist cannot perform for a medical reason, evidenced rather than asserted.

Without it — Refunds and committed costs land entirely on the promoter.

Travel failure

Grounded flights, closed borders and missed connections that stop an act reaching the stage.

Without it — On a routed tour one weather system can take out several dates at once.

Death of an immediate family member

Written in because it is a real and reasonable reason an artist withdraws, and an uninsured one otherwise.

Without it — A withdrawal nobody could criticise is still a full financial loss.

Who buys this — the artist or the promoter?

Usually the promoter, because the promoter carries the refunds and the committed costs. Artists and their management sometimes buy their own for loss of fee, and on a self-promoted tour both exposures sit with the same party. The contract normally says who is required to carry it; where it is silent, the party with the money at risk should.

Do the artists have to be medically examined?

For meaningful limits, frequently yes, and the requirement scales with the sum insured and the artist’s age and history. A declared pre-existing condition can usually still be covered, priced or excluded specifically — what causes trouble is an undeclared one, which turns the first claim into a disclosure argument.

Is drug or alcohol related withdrawal covered?

Generally excluded, and it is worth knowing rather than discovering. Rehabilitation, intoxication and anything a policy characterises as self-inflicted are standard exclusions in this class. Some markets will consider a buy-back on an artist with a documented period of stability, but it is underwritten specifically and never assumed.