, that insurance company should be able and willing to give you a rider that will be able to cover you if in case you are working or need to work off premises and on a particular client's house, business office, facility, or any other area that is different from where you regularly and usually work in.
It is a standard item and there should not be that much fuss over it. Any good insurance company should be able to do it. All you need to do is be persistent. It is an item that is almost always considered a standard on many insurance policies.