From anything I've heard from friends in situations similar to yours, you aren't going to find any insurance to cover it. The pandemic is alive and well, and it isn't going anywhere for probably close to a year, assuming a vaccine is developed. No insurance is going to cover an active, existing threat.
I am (hopefully) leading a group to BC in late September again. The airline (Westjet) has always had, and continues to have, an generous cancellation policy... not normally a refund, but a credit valid for a year anyway, up to a couple of hours before the flight. I am still in negotiations with the Lodge owner. He doesn't have deposits from us, and our discussion is basically "If this situation hasn't drastically cleared up by then, we aren't coming...". He understands, but if he were suddenly to insist on non-refundable deposits, we'd just cancel the trip.
So I guess what I am saying, is assume insurance won't cover it, so make sure you have a clear agreement concerning refunds/credits with all suppliers.
I have yet to hear any knowledgeable person say there won't be a second wave. It's more a question of when and how significant. Based on the beach images in the news this weekend, I'd say it's going to be sooner than later, and it's going to be huge.
Because people appear to dumb as sacks of hammers. The virus hasn't gone anywhere...