When you are in the movie industry, there are always risks involved.
The degree of risks just depend on what kind of movie you are making. For example, the risks of doing an action film is way higher than just doing a romantic comedy film. The action-packed scenes of action movies are really risky and involves a lot of stuntmen.
You can just imagine, traveling to a certain location with all the stars, extras, and the production crew. And if you do not know it yet, the production people behind a movie are so much more than the people that you will see in the actual film. So the risks are so high, especially if you are shooting in an exotic locale.
That is why, if you are in the film industry, the producer should have a business liability insurance in place. While this does not mean that nothing will happen on the set, but at least, the producer has some financial support in case something happens in the set. That means the producer will not have to pay for liabilities in case of untoward incidents. After all, the producer’s money is still hanging in the balance while doing the movie so if they still have to pay for damages, then more often that not, they will have to declare bankruptcy.
Well, that is just how the movie industry goes. 