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> this employee openly asked if he could live in the office to save himself the cost of rent. The employer had no issue with.

I'd be interested how it affects insurance.

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That's a good question, but I wasn't privy to that level of detail. In that instance though it was good for the employee and he didn't have to worry about hiding anything.

If the building is commercially zoned, doing this would technically be illegal.

So if they found out this was a factor in something they would normally pay out for, you can be sure they wouldn't.

I'm pretty sure they wouldn't pay out even if he wasn't a factor. I think they'd try to claim that him being there makes the insurance invalid.

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