agree and once you do the the renewal each year it is easy and $200 $300 yr cost. That maybe $6000 for 20 yrs. non OA makes no sense. non O easier to deal with.
The cover letter from your insurance company will specifically need to state that it will cover up to 50,000 for COVID . As for length I heard you have to buy insurance 3 Months will cover you. . Check with your insurance company. If they will cover COVID they will supply you with a letter on their letterhead with your policy specifics.