I agree with your point #2 ... very well articulated.
About point #1 .. For me, as I run my own business, there's no "employer" , that would be my own pocket.....
On my travel insurance ... I already have TI that covers covid... How you ask ? Well... because I travel so much (before covid) I get it annually (unlimited trips) , last renewal was Nov 2019 i.e. before COVID... Yes I have checked.. all my 2020 flights were booked in Jan ( also before covid).. My TI covers COVID, covers medi-vac.. No problems there....
Regarding QLD and who-pays-quarantine... The answer is depends when the flight booking was made.... As mine were made before 17 June 2020... Qld govt covers cost of the return quarantine. But yes... I would be required to pay for the quarantine in the destination country
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