Welcome to the community @paula,
That is an interesting and disturbing history you wrote. I was tempted to move it to Building Oversight Failures but it is not an oversight failure, it is worse.
It is also not just COVID-19, not just bush fires, it is where government policy (and often the absence of any) and private enterprise meet and celebrate ‘the problem is over there not over here’ so not our worry or problem.
I hope you can find insurance, and at a cost that does not put you out of business. Plz let us know how you go.
