Many travel insurance plans are now offering a “cancel for work’ benefit as a selectable option for an additional premium. Typically, this benefit covers your prepaid non-refundable trip cost in the event you are required to work and requires supporting documentation such as a notarized statement from your employer. Self employed persons are not necessarily excluded from this benefit but the burden of proof could be slightly more difficult. You would need to have good documentation supporting an “unforeseen” reason causing the need for you to work. Always read the policy for conditions and exclusions which may apply. You may also want to consider “cancel for any reason’ cover.