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Bob Graham is executive editor at Insurance & Financial Advisor and IFAwebnews.com.

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French travel agencies, according to a Reuters report, have begun to induce summer holiday travelers with sunshine insurance, where they will use satellite photography to determine when cloud cover mars the day for policyholders.

Why stop there? Why not cover fans attending every sports event – NASCAR already has a coverage option for its fans – where rain can be a killjoy? How about Wimbledon, the U.S. Open in golf or those matches in Scotland and England, where it ALWAYS rains? How about for every major league and minor league baseball game, except for those games where rain just delays the inevitable? (Think Washington Nationals!) Why not cover outdoor college sports (mud caused by rain could really hurt the kicker’s ability to kick the game-winning field goal late in the game) and high school sports? Even high school graduations, where rain can mean that a limited number of people attend an indoor ceremony not the outdoor ceremony open to the masses, as well as the whims of Mother Nature, need coverage.

I bet NASA would like coverage for its lightning-scrubbed Space Shuttle launches. Or the obligatory day or six where the Tour de France’s racers risk additional life and limb riding on pinky-finger thin tires over rain-slickened cobblestone and pavement? Or this weekend or the next, where I’d really like to be able to get outside for some kayaking, gardening, a cookout?

This coverage and its million possible permutations seem like the perfect answer for those who can’t afford or accept that in the end you can’t mess with Mother Nature.