What kind of insurance is available for having trees cut down?

I have a house that I inherited from my parents. I have been renting
it for over 10 years with no insurance. No one is currently living in
the house but we may let my niece move in.

It is in a place that is going commercial, so the land is worth more
without the house than with the small house.

There are pine trees that are at least 50 year old and very high.

I have a guy that says he will climb the trees and cut them for free
just for the wood.

I plan to ask if he has insurance, but have not yet. If it turns out
that he has no insurance what happens if a tree falls on neighbors
property?