I thought that's exactly what insurance was for though. I thought force majeure was something that applies to cancellation of contracts - e.g. I work for a performer and if he can't make it to a show because there are no fights due to weather, both he and the venue reschedule with no penalties paid by either side. Likewise if the venue is snowed in our something. But if they just choose to cancel the concert at short notice, they still have to pay his fee.