Validation on repeated array fields

• vee-validate: 4.4.4
• vue: 3.0.11

I have form implemented in this link https://codesandbox.io/s/yup-array-validation-forked-6ljht

I want to validate the insurance field when the checkbox is unchecked but not required when the checkbox is checked and the form should be submitted when the checkbox is checked.

Why not validate the Insurance company field in beginning. The field is validated after clicking the checkbox only.