[VINMAN]

I wont do work at a customer premises if they refuse to get a permit ( if required).
Although here in NJ you practically need a freakin permit to cut your grass. It is ridiculous what they want permits for. But yeah there are times when it is more than warranted.
Your Ins. co has every right to deny coverage if something happens due to non-permitted work. Especially gas and electrical related.

I personally have NEVER done work in my own home without a permit....