As an back in my younger days on the Chinook in Uncle's Army....I had the good fortune to have been around some old helicopter pilots. One of the things we espoused was the aircraft was merely a re-usable container much akin to a metal shipping container that engines or other large components arrived in from the depot.
We taught the contents of that expendable container was what was important....and not the container.
As a civilian pilot it is the same.
Either the owner has insurance or he best have some deep pockets as the concept is the same. The boss fellah can buy you another helicopter but he cannot replace your life and limbs.
The only concern you should have for the aircraft is not using it up for no good reason.....but when you need to....save your hide first and worry about the helicopter after the fact.