It may be possible to open the doors on time for an event, but due to a particular incident or circumstance, a significant number of delegates or visitors may be prevented from arriving as scheduled. This could be due to a major problem on the roads or railways, strikes by air traffic controllers etc. This may result in the organiser having to compensate delegates who apply for a refund of their fees, or reduced revenue from the sale of tickets. This product is designed to reimburse the organiser in respect of these losses.