Here's a great article by Emily Holbrook at Risk Management Monitor on insurance issues for reality tv. Best quote:
What types of reality shows spur the most insurance claims?
LM: Many times it’s more of the “walk and talk” shows as opposed to
those with stunts that spur the most claims. Audience members are often hurt
while being moved in and out of the auditorium.
I'm waiting for the lawsuit by the estate and family of Russell Armstrong from Real Housewives of Beverly Hills.
On a related note, here's an article on how game shows insure large prizes.