Second JP's response. Until you break a window or put a hole in their sheetrock, or worse, your ladder falls in the wind and hits a car. Good idea to have basic liability. Not worth the money for a few removals, you'll net $2 in the end. So far the pesticide police is non-existent. No product is labeled to be sprayed on honey bees, obvisadly, noone is watching. contracts are just inked paper, it would need to be ten pages of fine print, sign in triplicate, notorized in four places and you would still be defending yourself in court.