u/Mikey573

Question for insurance professionals/brokers/adjusters:

I’m an Ontario condo landlord and I’m trying to understand whether monetized content creation from a rental unit creates insurance issues.

Example: a tenant rents my condo and uses the unit regularly to create online cooking content (YouTube/TikTok/etc.). No restaurant, no customers onsite, but the kitchen is being used heavily as part of their business/income.

My questions are:

• Would this potentially affect my landlord insurance coverage?
• Would the tenant need business or commercial coverage beyond normal tenant insurance?
• Could an insurer deny a claim if the unit was effectively being used for business purposes?
• Is there a meaningful distinction between “working from home” and “operating a business from the unit” from an underwriting perspective?

I’m less concerned about social media itself and more about the business-use aspect and whether that changes the risk profile of the condo.

I own a condo unit that I rent out, and I’ve recently had applicants whose full-time income comes from creating online content from home.

I’m trying to understand where the legal line is between normal remote work vs operating a business out of a residential condo unit.

Example: if a tenant is producing monetized cooking content from the condo kitchen on an ongoing basis, but there are no customers visiting the unit and all activity happens privately inside the condo, is that still considered normal residential use in Ontario?

I’m also wondering:

• Can condo corporations restrict this type of activity even if it’s entirely inside the unit?
• Can landlords add enforceable lease terms around filming/business activity/excessive kitchen use?
• At what point would this become something beyond ordinary residential use under Ontario law?

Not looking for formal legal advice, just trying to understand how Ontario law generally treats this type of situation.

Question about “commercial use” in a condo rental.

I own a condo unit that I rent out, and I’ve recently had applicants whose full-time income comes from creating online content from home (YouTube, cooking videos, podcasts, etc.).

I’m trying to understand where the legal line is between normal remote work vs operating a business out of a residential condo unit.

Example: if a tenant is producing monetized cooking content from the condo kitchen on an ongoing basis, but there are no customers visiting the unit and all activity happens privately inside the condo, is that still considered normal residential use in Ontario?

I’m also wondering:

• Can condo corporations restrict this type of activity even if it’s entirely inside the unit?
• Can landlords add enforceable lease terms around filming/business activity/excessive kitchen use?
• At what point would this become something beyond ordinary residential use under Ontario law?

Not trying to ban WFH tenants or casual creators. I’m specifically asking about situations where the unit is involved in someone’s income-generating business.