"Prove me wrong at your own risk." and etc..... Well, pfffttt! Many far more sensible things were written subsequent to that in this thread. No offense. Your due respect far and long precedes and outweighs your's truly.
But! It's always possible I suppose that a company might go belly up, but I prefer to believe they'd pay otherwise. I mean, come on, what's with the half empty glass stuff? Did you get bit once upon a time because you didn't have a policy covering you with all stipulations "in writing"? Sounds like you have a grudge of sorts, but no matter.
As I wrote before, my policy, now into it's second year with Sneed, has a rider that allows 2 days per week to work. I even document it, which ain't much, but as I said before, there are always witnesses about who would provide backup if necessary...and again, I don't see that need arising. Why have insurance at all if you don't think you'd be paid for a claim? Maybe we need insurance of our insurance....
So, 911cab, I think you made a good choice. Just get the rider in print, and signed....
Enjoy your ride....(s)...
Happy New Year, all, BTW...