There are advantages and disadvantages to growing my business larger than the garage behind my house. Insurance is certainly a large expense. My insurance company requires compliance with NFPA code 33. The township where I'm located doesn't have an any laws requiring compliance. However when I bought my building, I visited the local fire marshal to see about any recomondations. He quoted NFPA 33 and reminded me that OSHA defaults to NFPA 33 for worker safety. So I have a Garmat booth that's compliant with a dry chemical fire suppression system. Do I like all this? Not really, however it is what it is.
BTW, we save on insurance premiums by having a compliant booth, by limiting the amount of old paint stored in our building, not having a lift and not having acetylene torches. ~BOB