It's not just an insurance problem. I assume accidents are already covered as part of your construction work. When you are in your 20's. You fall from a ladder

It's not just an insurance problem. I assume accidents are already covered as part of your construction work. When you are in your 20's. You fall from a ladder, break some bones, you heal and get back on your feet one year later. When you are in your 50's, you are more fragile and less resilient, same thing happens, you might never be able to work again. It's brutal.