Say....how's about a 99-dollar, no insurance, cannot afford those premiums no more, el cheapo-deluxo tree take-down-guy with an old Stihl chain saw that still can cut it and an old Dodge dually diesel pickup, who will take it down for $99 plus a 30-can suitcase of Pabst Blue Ribbon (11.99)?
Insurance can have so many different provisions that an individual tree take-down-guy may or may not have.....like....what if the tree falls on top of the tree take-down-guy and he becomes a paraplegic for the next nine years until he dies....or falls on the utility co electric wires.....or falls on your neighbors garage.....or......lands in the road and causes a motor vehicle accident......or.....
It all kinda makes just lett'n nature tak'n its' course in its own time to be look'n more attractive. You know what they say....sooner or later.....the wind will blow....and the tree will fall...... practically guaranteed!