i met a window cleaner yesterday who was off for 8 months 3 of them in hospital due to a fall off the ladder in the wet ( he was on decking) 2 shattered ankles and the shin bone split in 2 he has difficulty getting down stairs now as he said lucky to walk again
he used up all his savings whilst off and the thing that worried me was the bank wouldnt give him a "holiday" on the mortgage

hes back on ladders now good luck to him busy as ever he says but i could see he was still in a lot of pain
i found a company called ant insurance gonna get me some cover