It turns out the contractor who was going to take down the tree over my house was under-insured, so I had to let him go.  He had General Liability insurance, but no Workmen's Comp, and if anyone got injured, I could be liable for medical and other costs.  With workers climbing trees with chain saws and swinging multi-ton sections of wood on zip lines and slings, what could possibly go wrong?

I'm back to getting bids again.