ABout 15 years ago here in Mass. they required liabilty insurance before you could fill out an application in any town. At first most of us were outraged. But later on is was found out to work for us not against us. The only way you can get insured is to be licensed electrician. This eliminated all non licensed people from performing. In the long run it mad our jobs more valuable. For many years there was a waiver if the homeowner felt he could sign to aquire full responsibilty. This was a loop hole for non licenses to accomodate. Last Apreil they have removed this contigency. I'm not sure if that's a good thing or not. My first thought was more illegal wiring done, some of it could be shoddy. What's in mind? Fires, safety. And insurance hikes. But, that's just my insight.
~Andy