thanks for all the feedback and non-legal advice guys.
my day job, which is the same profession, is for a company who has been designing homes in calgary for over 25 years and it carries no insurance. i asked my boss why and he said it's because they can only get the company and not him, so he chooses to not get it.
after speaking with a home builder today, he is not concerned about a lack of insurance at all. infact, most if not all the designers he has worked with do not carry insurance, mainly because the engineer and floor/truss manufacturer will carry the structural burden. after you take out the structure of the house, there really isn't much left to be concerned over.
i'm really torn here. people that i have spoken to in my industry say don't get it, then cp tells me i should. i know it's better to be safer than sorry, but i'm still on the fence about this. i know the peace of mind would be nice, but i also don't want it to be an ornament-like insurance where it serves me no good.
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