[Callers] Caller's Insurance?

Hello all, In a regular year, this is about when I'd be signing up for my annual caller's insurance through CDSS. This year, the policy is running for the same time-frame, May to May. Given that there's no in-person dancing now or for months, that seemed sub-optimal, since they won't pro-rate it for later in the year. The policy through CDSS is apparently also explicitly NOT covering anything covid related. Apparently the insurance companies don't want to open up their liability. I can't say their policy is that inspiring if they won't cover the first thing I've ever actually worried about at a dance. I can see not starting it now, but it seemed odd that it's the blanket no-go for the foreseeable future. So I'm wondering if there are other options or policies that folks are using? Something that starts on a different calendar and/or covers for covid possibilities? Looking forward to safely getting back together for community dancing again. Luke