For 7 years I've been explaining to Rugby Players that you CANNOT just "sign up" for insurance. It's not like ordering a pint at the pub.
At best, VBA's 24h Accident Medical Coverage STARTS at the beginning of the FOLLOWING month... Ergo, if you plan to start Rugby in September, you best enroll by August 15th, at the bloody latest!
You can, with some health insurance carriers, request a FUTURE start date.
For Commercial Lines, depends on your renewal date, and/or inception date for the business, typically.
Again, you cannot call me today, and have a policy bound and done by tomorrow.
For the Love of Rugby, please figure this out!