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There is no way (afaik) to insert rows filling down contents at the same time.
Filling down manually in acase as yours requires to not only fill the inserted rows but also to copy (fill) down the original formula for one step more, overwriting the formula(e) automatically adapted in a way breaking the intended functinality. The subsequent formulae below will still work correctly.

(Try to avoid inserting of rows / columns into an already working sheet. As soon as the locked output range of an "array formula" is intersected it will fail anyway.)

There is no way (afaik) to insert rows filling down contents at the same time.
Filling down manually in acase a case as yours requires to not only fill the inserted rows but also to copy (fill) down the original formula for one step more, overwriting the formula(e) automatically adapted in a way breaking the intended functinality. The subsequent formulae below will still work correctly.

(Try to avoid inserting of rows / columns into an already working sheet. As soon as the locked output range of an "array formula" is intersected it will fail anyway.)