This is something that is of major importance for all of us not only to understand but also to abide by, (no I don't get commission from the insurance broker. What exactly are you covered to do? Are you even covered? Do you even know? This comes about after a conversation the other day with my insurance broker, a man I pay some £550 per year to and hope I will never need to call. I have been approached by a football stadium with a major ground here in Nottingham to do the windows on all the function rooms, offices and VIP boxes. They came to us as one of my crew has a connection there. They have sacked off more window cleaners than I can count due to shoddy workmanship and dont like WFP as it does not (in their words) provide a good enough finish. AS the Function rooms are located on the second floor I figured I would get in a scissor lift or cherry picker to do the job. Called up my local plant hire place and got a quote, they said they would need to see my plant insurance prior to rental or take out their insurance. So I called my broker, within 10 seconds I have discovered 'NOT COVERED AT A FOOTBALL STADIUM AS IT IS A HAZARDOUS WORKING ENVIRONMENT.' A brief chit chat more and he reminds me that the policy covers us for ladders and poles up to 10 meters. Usually no problem at all as 99.5% of our work is residential but nice to get a reminder. Also reminded me that whilst my guys are covered for £10'000'000 in the event of the worst thing happening I myself am not covered for a penny. This is due to insurance companies not covering business owners against injury as scam artists have been rife getting liability and breaking an arm or leg or both. Also this is a tip for those that hire 'helpers' or 'casuals' you are actually breaking the law if you don't have employee liability. (Not to mention being a total ****er if you don't insure them.) But to cut a long story short I did learn that I am not covered to use my 40ft pole or against injuring myself. Whats you insurance cover you for?