NU Online News Service, Aug. 3, 12:10 p.m.EST

Rock group Kings of Leon will likely need a doctor to diagnoselead singer Caleb Followill’s “exhaustion” if the band expects aninsurance payout after canceling the remaining 29 shows on theirU.S. tour.

“If he is truly sick, he’ll probably need a doctor to medicallydiagnose him,” says Paul Bassman, president of DoodsonInsurance brokerage, the U.S. arm of U.K.-based Doodson BrokingGroup.

Rolling Stone reports Lloyd’s of London could have anexposure of $15 million due to the tour’s cancellation.

Bands typically take out insurance to protect the guaranteedmoney they make from the tour, and promoters can buy insurance tocover their hard costs, such as the artist guarantee, says Bassman,whose former company CSI Entertainment Insurance, was acquired byDoodson earlier this year.

CSI has provided coverage of music festivals such asLollapalooza and large-scale concerts featuring R.E.M., GwenStefani, Red Hot Chili Peppers, George Strait, and Coldplay.

Related: Learn about the risks and coverages atLollapalooza

Though each policy contains its own exclusions, insurancepayouts are normally limited to situations in which the artist is“ready and willing to perform” but cannot due to a diagnosedmedical illness or a problem with the venue, Bassman explains.

Take, for instance, the cancellation of a Black Eyed Peasconcert in Central Park in New York City in June due to roughweather. In a case such as that, the band gets paid from insuranceif a policy exists, Bassman adds.

Kings of Leon canceled their tour dates because the lead singerhas “vocal issues and exhaustion,” so the insurance coverage couldbe more complicated.

Most policies include exclusions for drug abuse or “things youdo to yourself,” says Bassman.

Related: Insurance Issues for the Rich and Famous

Therefore, if “exhaustion” is a euphemism for a largerself-inflicted problem that Followill has (as his band-mate andbrother seems to have suggested on his Twitteraccount), the band will have some explaining to do if it wants tofile an insurance claim.

Performers also need to inform insurers of medications they aretaking on tour. Coverage issues will arise if they do not.

In June Lloyd’s of London filed a lawsuit seeking to nullify a policy it had withpromoters of Michael Jackson’s canceled comeback tour. Thepromoters failed to provide necessary medical information—includingprescriptions—and details about the physician charged in thesinger's death.