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You will not be able to take out any insurance for this now. It is too late in the day. You may have been able to take out insurance earlier on, when planning the event but it’s unlikely because the attendance will be contingent on the amount of promotion you do. If it is an exterior event it is possible to get adverse weather insurance but it is prohibitively expensive.
If you cancel now, with 8/12 weeks to the event it’s unlikely that the venue be able to enforce full payment. They would only be entitled to recover their loss of profit for the day. Depending on whether they were providing marquees and suchlike they wouldn’t be entitled to the full cost because they hadn’t provided the full service.
It may say it in the contract but it’s unlikely to be enforceable.
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