The California Superior Court has refused to dismiss pandemic-related event cancellation litigation filed by heavy-metal band Metallica despite a virus exclusion within the applicable coverage. The case is Frantic Inc. v. Certain Underwriters at Lloyd's et. al. 

The Court held that at this preliminary stage of litigation it could not dismiss a suit filed over a tour that was canceled because a "proximate cause" had not yet been established as to what caused the loss.

In September 2019, Metallica began an eight-show tour. The tour began with two shows in San Francisco, which were to be followed by six shows in South America beginning on April 15, 2020 in Chile. Due to the pandemic shutdown, the South American shows were postponed.