Wow. I'm so sorry to hear this.
I turned down a tuning job as I let my garage keeper's insurance lapse. My little shop and all it's work is on hiatus for a while while I raise my kids.
A good friend who owns a machine shop and bike fab shop really REALLY wanted me to tune the new project bike. I felt like shite for not tuning for him, but I felt there was too much at stake at this point in my life. I don't need to lose my house or retirement because something goes wrong with a customer's bike - or God forbid my garage burns to the ground.
I'm sorry to read this, but it just reinforces the fact that I made a wise decision. No insurance = No tuning.