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I think the basic requirement is “don’t”. You may be OK if the business is limited to the nature of a home office. After all, during the pandemic, zillions of people were working from home.
This is already being discussed at the end of: Tell us your insurance stories
Yes, that occurred to me too. It means that the presence of the business both increases and decreases the risk. As customers, we do not have enough information to know whether the net effect is an increase or decrease of risk.
