Enorah, thank you!
We’re in the San Fernando Valley, and yes I had seen that website. Lots of horror stories, though. I’ll search for “tipping” in the forums (fora?).
I thought of buying full-coverage insurance, but the minimum coverage had a $355-$425 premium for $50,000 coverage (too much for my needs). At $40 each guy, the tip’ll cost me $160. At $50, it’d be $200. Still cheaper than the insurance.