An article from "Variety" (https://variety.com/2020/music/festivals/coronavirus-ultra-sxsw-coachella-cancel-insurance-city-1203525667/ https://variety.com/2020/

An article from "Variety" (https://variety.com/2020/music/festivals/coronavirus-ultra-sxsw-coachella-cancel-insurance-city-1203525667/ https://variety.com/2020/music/festivals/coronavirus-ultra-s...) covers exactly this and agrees: > But he understands the hesitance to cancel — because even if most major promoters probably spent extra to have communicable disease provisions in their cancellation insurance, it wouldn’t likely kick in if they made a unilateral decision to cancel without the city forcing their hand to do so. In the above, "he" refers to an "entertainment manager" at an insurance company. Doesn't sound like firsthand knowledge, but it's still a very educated guess.