I think that the point n1oty was making is that if something goes wrong ie: you electrocute someone, cause a fire etc you will file an insurance claim. Theoretically the insurance company could say that this was unpermitted work EVEN THOUGH it was done my a licensed electrician and was done "to code". I don't know whether this point is correct and if an insurance company can deny your claim because you failed to get a permit, even though the work was properly done. I have recently had some general liability issues in the properties that I own and I don't think that these are minor issues. However, having said that, I think the vast majority of people probably don't pull permits on this kind of work and it is most-likely a non-issue 99% of the time.