Some travel insurance companies cover you for working, I know mine does. It's a piece of mind at the end of the day, a small price to pay. Plus you said you are not bothered about personal belongings being covered, but wouldn't it be nice to know if the unfortunate event happens, they are all covered. Even down to luggage, flight delays that will result in you having to wait days and paying to stay somewhere. Each to their own, but I know I'd rather be covered as anything can happen.