I'm a Firefighter/Advanced Life Support Paramedic/Flight Paramedic (not always flying in the most airworthy of aircraft either Unfortunately) and I ride a Bike... I also work in conflict zones and extreme rural environements when required, but they had no problem with that, so I cannot see how they can refuse to cover you... (my Life insurance premiums omn the other hand are astronomically high!!
) Are you self employed or working for a company? Because if you are, put yourself, or make sure you are put onto the Workmans Compensation Somission Register, pay the small monthly/annual fee and that will cover you extensively in the event of a "work accident"