Olivia Culpo, Kate Bock, Jasmine Sanders Shot SI Swim Before COVID Ruined Everything

If you're wondering why Olivia Culpo, Kate Bock and Jasmine Sanders are all up on each other with no masks on the cover of the new SI Swimsuit Edition ... there's a good reason.

IT WAS SHOT BEFORE THE COVID LOCKDOWNS!

The mag wrapped up its final shoot in on March 5 -- roughly 2 weeks before Los Angeles issued its stay-at-home order due to the pandemic. Things obviously escalated around the country after that.

The three ladies -- who are all repped by The Society Management -- wrapped up their Bali shoot back in November ... well before the pandemic came into play in the U.S.

So, yeah ... no masks and no social distancing on the SI cover -- but also, NO COMPLAINTS!

Of course, the models are no strangers to TMZ Sports ...

Culpo has been dating Carolina Panthers superstar Christian McCaffrey for more than a year and documenting every step of the way -- (see: here).

Bock's longtime BF is Cleveland Cavs' star, Kevin Love ... who together (with their adorable pup, Vestry) have provided incredible content on vacays all over the globe -- (see: here).

As for Sanders, she's been spotted hitting LA with NBA hunk Kelly Oubre, Jr. ... but even when she's alone, she's brought the heat on her social media -- (see: here).

MJ Day, editor in chief of SI Swim spoke on the decision to go with the 3 women ... saying it was their business endeavors outside of modeling that made them a perfect fit.

"These women are limitless, unstoppable and collectively represent the next wave of moguls to come out of the franchise."

The issue -- which hits shelves on July 21 -- will feature 4 different covers ... one with all 3 models ... and 3 other versions featuring each model by herself.

Congrats!!