Celebrity-driven reality shows like "The Apprentice," "Hogan Knows Best" and "The Simple Life" can complicate underwriting for one simple reason: They involve celebrities.
McNaught earned her wings on "The Rebel Billionaire," with highflying billionaire Richard Branson. One stunt involved Branson taking tea atop a hot air balloon in flight.
"You take someone of high worth and you stick him in dangerous situations -- the production company is responsible for his safety," she says. "How do you cover someone who is worth more than the entire network?"
Of course, reality shows sometimes make celebrities out of the participants, with equally unpredictable results. See also: Jon and Kate Gosselin.
Even a relatively tame dating show can be a challenge when a celebrity is attached. McNaught insures VH1's "Ochocinco: The Ultimate Catch" with NFL star wide receiver Chad Ochocinco.
"You wouldn't perceive a dating show as high-risk, but when they start talking about dirt bike racing or skydiving, you start thinking, OK, if something happens to him on the show where he can't go back to the NFL, that's a lot of money that he's out of pocket, and guess who's going to be sued?" she says.