Good to hear about Pilot, Cruciform- keep us posted. You're right about other wiring being an issue besides Flexwatt- according to law, all electrical wiring in Ontario now requires a permit and an inspection, regardless of whether it is done by an electrician or homeowner. This theoretically applies whether it is Flexwatt, a custom cage with lights in it, or if you wire the whole room. Not many people actually get the permits, and it isn't particularly enforced, but it could be a problem with an insurance company IF your faulty wiring was the cause of the fire.
Dave- our insurance excludes the animals themselves because they are considered to be part of the business. This could also be considered the case for anyone who is a breeder and has a name, website, business cards, etc. Most policies only cover certain kinds of home-based business and even then only aspects of their property/possessions. At least with TD Meloche Monnex, any business involving animals is not covered.