Is DIY lighting covered by insurance?

[Binare]

Retrofits might be a bit of a grey area. Most ballasts sold on their own are replacement only. I'm an electrician and for example. If I fix a csa approved light with csa approved parts, that's okay. If I take all the parts out of a csa fixture and install them into something that's not csa approved (ie. A wooden box made to hang over a fish tank) the fixture is no longer csa approved. I now have to have an inspector (not an electrical inspector) come in and give it a csa equivalent approval, at a cost of about $500 bucks. I make control cabinets for industrial machinery, all of the timers, relays, buttons and plcs are csa approved, including the cabinet they are going into. However I still need to get a csa equivalent done becuase the combination of all the parts in the cabinet are not csa approved. Csa covers equipment manufacturing and has nothing at all to do with electricians, different set f rules entirely. The only thing that matters to electricians is that we are not allowed to install equipment that isn't csa approved. Why do I say its a grey area? One could argue that a diy light fixture is manufacturing equipment, if that arguement was won by an insurance company, well you get the point. The other point is a lot of our equipment does not have csa approvals, I've yet to see a controller that does. Its expensive, time consuming and a lot of smaller manufacturers won't go through the hassle and cost of getting it. Off the top of my head I'd say the ballast and endcaps are approved, but I highly doubt the combination of those parts as 'manufactured' and use intended is approved.