Mick 
It depends on what the item is. I carry liability insurance, it doesn't cost much a year and its good to cover your ass. If the item is in somebodies house I charge a removal fee, I offer free removal for curbside pickups only. Usually people don't give me a hard time about the fee, and the money I get goes into my account for the next insurance payment. I'm not like a lot on Craigslist or on this forum for that matter. I only offer free pickup for items in my zip code, everywhere else I charge a fuel surcharge and if there is extra work involved in removing the item I charge for my time. I rarely have problems with people not willing to pay. Most are happy getting rid of their items.
P.S. I have not had to use the insurance in the 15 years that I have been scrapping.
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