Driving in construction zone will I be covered?

So I drive doing side gigs for a living, using my personal vehicle. Yes, they are aware of my activities and I am insured for it.

Our personal insurance policy is primary and the companies is secondary.

Today, I came across a rather unique situation that I could use some advice about.

At one of my jobs / side gigs, there was an area that was not accessible due to construction. The customer wanted for me to bypass several road closure signs / warning signs. I tried to get to their location 3 different ways. 2 ways, both directions of the road was closed, Google maps had an alternative but I guess it was outdated because there was no road there. I actually spent 45 minutes of my free time trying.

So I contacted the customer which cursed me out, blamed me for a few things, and a lot of other negative things. They said that those signs and warnings are meant for everyone else not for local residents.

I just told them I was not willing to drive through a construction zone, since it is against the rules and that my coverage would not permit me to do so. I did not want to dodge equipment, other construction stuff, and broken torn up uneven road. If someone else wants to risk it they can, however, my pay does not include taking those chances.

The rules says to obey all road signs including road closure signs, and because of insurance, I was not sure if I would be covered if something did occur and or if it was reported I was doing such an activity.

I have no idea if anything could have happened or not, it was about a 1 – 2 miles through the construction . From the limited understanding, if something did happen while I was driving through a closed off area, I would not be covered, by either company.

My information might be wrong, so I wanted to ask, if this comes up again, which probably will, am I covered traveling through such an area?