If you want to understand the state of these industries I highly recommend reading "How contracting because a race to the bottom"[0]. The crux of the problem is that unlicensed/uninsured firms will always undercut "quality" firms for small jobs. If you are getting a quote from a firm that actually pays workers compensation insurance it's going to be at a substantially higher price.
[0] https://www.nytimes.com/2025/04/07/magazine/contractors-cons...