You need to fill out the PR portal if you overnight there.

We have not been asked for insurance, although we have it. The issue for some people has been testing positive when it's time to leave and having to pay for extended accommodation in the BVI. One is supposed to go to government approved, gold seal quarantine lodging. Of course if one does an eMed test, I don't know how they would find out you were positive, so your options might be wider.