Common law and most state statutes excuse hotels from liability if guests are injured or harmed as the result of an act of God or natural disaster. Hotels are likewise not liable for terrorist acts or harm caused by public enemies. Most hotel insurance policies exclude coverage for catastrophic or widespread disasters which affect a great number of insureds or an unmanageable number of claimants. Acts of war, damages arising from nuclear energy, and certain exposures to pollutants are routinely eliminated from coverage. Notwithstanding, hotels are keenly sensitive to enabling guests to vacate the premises, in an orderly and speedy fashion, in the event of a catastrophe.