I'm told it was occupational insurance.

I had a small and injury-free incident with a ladder a few weeks ago. I'm now banned from being at or above the roofline (when my wife knows).

Honestly, I'm cool with it, hanging Christmas lights stinks and the permanent ones (like Govee) are kinda lame, sorry if you have them. I was talking to a gentleman a few years ago who was telling me about how he redid his own roof. I asked the cost, he said all-in it was about $150-250k. Said the roof cost was minimal, but when he fell and broke his neck the hospital bills and lost wages really added up.