From a post on the Cruise Critic Travel Insurance board (https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/😞
New York does not allow Cancel for Any Reason insurance because the state regulators do not consider it to be insurance. It does not protect against a risk, only the choice of the policyholder.
I would suggest consulting a third party insurer. We have used the Trip Insurance Store (www.tripinsurancestore.com) for years. Steve (the owner) and his staff are very knowledgeable and will work with your friends.