Don't ball them all into one group, just like any trade or profession, there is everything from pill doctors to crooked carpenters(those that can't hammer a nail and make a straight wall, shyster mechanics and plumbers that make your toilet back up. My oldest took the complete course along with some of the building code sections and is starting his own business, yes, the insurance costs are pretty high for them. Word spreads fast and a couple of bad raps and you're out of business. He did our house and my brothers just for a couple of test runs and I just about croaked, almost wrote a book by the time he was done, from everything that was satisfactory, met old code to suggested upgrades and things that required immediate attention. It covered everything visible, including a jaunt into the attic, up on the roof, furnace/HW check, electrical, plumbing, window and door caulking, jeez, the list goes on like the damm pink bunny. I think Rick may have had a bad apple do his.