This is a huge problem with fire fighters.  In Toronto they only do 10 x 24hours shifts a month so they have ample time to run businesses on the side. 

I witnessed the same thing in Oakville where a firefighter on a large tree take down underbid all the legitimate "insured" and certified arborists and then expected payment in cash.   So no income tax to the government is declared and those who actually run legitimate arborist companies have their bread and butter taken away through fraud and corruption.

And I'm sure if there was an accident the homeowner would be responsible not the uninsured fire sleeper.