...Because before I got more than four or five steps up a ladder which is "easily retractable" by squeezing together two flimsy rubber knobs at the bottom, I'd certainly be making sure that my policy was up to date.
Can you even imagine being fifteen feet up in the air, painting a wall or hanging Christmas lights, knowing that your bodily health depends entirely on an Only Available on TV flimsy piece of crap you saw being advertised in between reruns of the Andy Griffith Show at two o'clock in the morning? I sure can't. I suspect that the people who would be impressed enough to buy this garbage are also in the market for after-market parachutes and lightly used contact lenses. There are things I'm willing to cheap out on. Ladders are NOT one of them.
*if they do, I'm going to go ahead and assume that it's also "easily retractable," especially when the deceased was killed doing something stupid like using one of their ladders.