shop lift liability?

I had to jump through hoops to get my house insured because the pole building has a woodstove in it. None of the big names would carry us and yeah it's a few $$ more. It actually hung up the closing because every co. we called had to come and inspect. The wife wants to ins. shop again and I told her to leave it alone because I don't want them to see dis-assembled projects and start thinking commercial or business. I could see them looking at the lift as a liability.

I quit doing a lot for other people. Worked too many years in the body shop. Heard every excuse in the book blaming the tire/suspension guy or mechanic that worked on it last week. I've even had to go to court to testify on behalf of the Co. You're taking a big risk. It turns into you're word against theirs and difficult for the business to win. It only takes one to file a frivolous lawsuit to turn your life upside down. At least work under a mobile Mech license and get some garage owners liability. If you lose some else's car off the lift, best case scenario is you have the cash to buy them another one.