Wow Im glad you are ok, I hate meeting bees in trees. Normally if I bid on a job the price is the price. If I didnt see a hazard (bees nest, racoon ect). I deal with that hazard with in the price. Bees are normally pretty easy, wait till night or first thing in the am and nail them with bee spray, then finish the job. now if a new hazard pops up between the time I look at the tree and get to take care of it, then yes the owner normally is pretty understanding and is willing to pay extra for a fix. If before I justs bid what I need to mitigate the hazard, if that means coming the night before to spray bees they pay for that. If it means a crane, they pay for that. In the end if you see it when bidding it should be worked into your bid.