Martin Eastburn fired this volley in
:

If you stand on the top rung your insurance is canceled.

Right... assuming your underwriter is holding the ladder.

Duh.
If you stand on the top run, AND you fall and get injured, AND they can
prove conclusively that you were on the top rung -- then maybe your
insurance is cancelled. But in today's market, any claim, no matter how
legitimate is reason for your insurer to cancel.

Lloyd