The risk that an actor could say break his or her ankle on set and hold up production for a couple weeks, like Robert Downey Jr. did on the set of Iron Man 3, is what is known as a “standard or covered peril.”

But stars like Lohan often require more customized products that account for other risks — like the risk of incarceration. Brian Kingman, managing director at Gallagher Entertainment, a film insurance broker, says the producer of Liz and Dick, Larry Thompson, specifically asked for this special coverage because Lohan was on probation at the time he hired her. Thompson was worried Lohan’s probation would be revoked and she would be thrown in jail.

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