No hating here Giantslayer. There are a lot of pieces that make up at tree care operation. The example of INSURANCE is only one small piece of the tree care company puzzle. When you mentioned "Does the person do good work or not?", I completely agree.
Not all tree care companies are created equally. IF I was hiring a company, what would I be looking for? Price, is definitely a consideration. BUT we have to compare apples to apples. Why is one companies price so different from another's. IMO I would want to higher a company for its ability to do the job safely (for them and my property). I would want the job to be compliant with the laws (City, County, State, and Federal). If either one of these things goes wrong, you know who gets the bill in the end!
Mr. Handyman doesn't have all the stuff we have, that is his choice. He may price his jobs any way he wants, it is a free country! BUT there are things that MUST happen in order to be a For-Hire tree care company. Here, it is NOT mandatory to have insurance (except WC for employees) or training. If something goes wrong (say a limb smashes the tree owners house, OR worse, the Neighbors) and the arborist is uninsured, the ramifications go to the tree owner. Then there is the business licence issue.......
We have had issues in the past of Utility Pruning Co. moonlighting on the SIDE! The culprits have told us, "well we just do enough for beer money". Well these guys are stealing from their employer (equipment, fuel), they are not covered by Company insurance, and don't have a business license, and they are working for CASH (not paying taxes). In other words they have their hand in MY pocket, not exactly ethical either, is it?
Perhaps this is why tree care is NOT considered a real trade. I would like the industry to florish, lord knows there are a lot of trees here that need work! I feel that there MUST be a bare set of standards for tree care work. NO exceptions! There must also be concequences for NOT abiding to basic business practices, if, for nothing else but to protect the industry.