Bob--You might try to contact TTOL sponsor Insure my Trip, my clicking on the link on the sponsors page. If you book through them, via that link, TTOL gets a small commission and the cost to you is the same. They can help you compare coverages online or over the phone. If you're looking to cover a cancellation due to a Covid problem, be aware that you probably will have to book Cancel for any Reason insurance, which is usually required to be paid for within a very short time of when you originally booked. (...which with a rescheduled trip, who knows what date that would be???)
And while it is specifically about the BVI and not SXM, you might want to check out this thread in the BVI forum, for a discussion of the various issues involved.
Link