Yes there are, but you may know that all insurance companies are run on a cartel basis. In other words none of them will drop there prices until there is sufficent market pressure.
As we only have toothless representation that instead of fight this crime would rather jump in bed with them and act as brokers we will never see an end to it.
What i do is always ask to speak to an underwriter, he is the actuary the one who works out the risk. I explain to him that the risk element of using ladders is eliminated by using wfp. I then get it written in the policy that none of my employees will use a ladder.
Result, cheaper policies, in fact they are 50% cheaper than the dearest quote i had!
