Insurance and Formation Flying

I know many RV owners and pilots fly formation with their beloved RV.

My question regards insurance?

Does typical Liability and Physical damage cover formation flying? Or is formation flying an exclusion?

Do you get an add on for formation flying?

My insurance policy specifically includes coverage for non-aerobatic formation flight for ceremonial or recreational purposes... Remembrance Day flypasts, and practises for them, that kind of thing. It does not cover anything involving formation aerobatics. This is common to two or three of the insurance providers in Canada.