Quote Originally Posted by bright sparks View Post
For example in another thread someone asked if we have to have insurance in Ontario, and a member said that yes we must. Well it is not mandatory to have it, although it makes sense to think we should have it, because it is the responsible thing to do.
This is just an opinion question, cuz I don't know, but wouldn't it void your homeowner's insurance if they found out you had a business in the home and didn't have it insured? With mine, I have on my homeowner policy that I have a home business, and every year, they need the certificate from the liability policy (different company) so they know I'm covered for the business too. It's a very tricky thing, insurance, I believe, that given an oportunity, an insurance company will not pay out on a claim if they find anything wrong, even if it isn't directly related to the claim.