On the cast side, any injury to a major star is a delay in the film. Perhaps it's not as sexy as worrying about stunts, but insurers also work to protect film equipment. Corrosion of equipment is a threat for films being shot in tropical locations, Paulsen said. Every film is different. It's part of the fun of underwriting it.
Insurers often have to be creative to protect their interests in underwriting a film.
The film was shot in the Midwest, where that shouldn't have been a problem. However, a drought hit the Midwest that year, and the corn began to shrivel. That still wasn't enough, so we dug a trench in front of it for the actors to stand in, so the corn looked taller. It shouldn't have been a problem in Minnesota, but that was the year of El Ni o, and there was no snow in Minnesota at the time of filming. The insurer paid for the cast to move to sites in Wisconsin and Michigan, where there was plenty of snow to meet the requirement.