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Private insurance companies, which do the best liability studies, have totally abandoned coverage for damage to life and property due to: Acts of God, Nuclear war and nuclear power plant accidents, AND VACCINATION!!
What is a Pandemic?
 
Excerpted from: BMJ 2009;339:b3471
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World Health Organization (WHO) has revised its definition of pandemic flu in response to current experience with A/H1N1.

Aspect Before A/H1N1 Since A/H1N1
One line summary WHO 2003-9: "An influenza pandemic occurs when a new influenza virus appears against which the human population has no immunity, resulting in epidemics worldwide with enormous numbers of deaths and illness"10 WHO: "An influenza pandemic may occur when a new influenza virus appears against which the human population has no immunity"10
Virus and immunity WHO 2005:"Most people will have no immunity to the pandemic virus"1
WHO: "The vulnerability of a population to a pandemic virus is related in part to the level of pre-existing immunity to the virus"12
US CDC 1997: "When antigenic shift occurs, the population does not have antibody protection against the virus"13 US CDC: "Cross-reactive antibody [to A/H1N1] was detected in 6%-9% of those aged 18-64 years and in 33% of those aged >60 years"5
Impact (health, social, economic) WHO 2005: "Large numbers of deaths will occur . . . WHO has used a relatively conservative estimate—from 2 million to 7.4 million deaths . . .
Economic and social disruption will be great"1
WHO: "H5N1 has conditioned the public to equate an influenza pandemic with very severe disease and high mortality. Such a disease pattern is by no means inevitable during a pandemic. On the contrary, it is exceptional"14
CDC 1997: "The hallmark of pandemic influenza is excess mortality"13
CDC: "There are some pandemics that look very much like a bad flu season"8
Canada 2006: "An influenza pandemic results if many people around the world become ill and die from such a [new form of influenza] virus"15 Canada: "An influenza pandemic does not necessarily cause more severe illness than seasonal influenza"9