Yes, the perfect logical answer to your question is to call some insurance agents. IF there is some policy, they will tell you. IF there is not some policy, they will tell you. I would definitely rely on the persons whose occupation it is to know rather than ask a forum for their viewpoints who are not the experts (albeit very well-meaning people).
Remember, trying to find a loophole may make you feel good but IF a liability situation should occur, the insurance company WILL do everything in their power to show that loophole does not apply.
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