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James Millar
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The planning scheme in most councils in metro Melbourne requires planning permits for home businesses above a certain size (more than 1 employee, more than 50 square metres). At some point beyond that it can also transition into a category 3 prohibited use office (where you can’t even apply for a permit).

Business public liability insurance would not necessarily be automatically void just because a planning permit was not valid. I agree it could create contention which is never a good thing with insurance.

I’ve had ordinary experiences with councils in Vic regarding business planning permits so I probably have a tainted view on what to expect.

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