Unfortunately, our insurance, provided by the BBKA, does not cover us [whilst collecting swarms of honey bees] for completing cut-outs, removing bricks or working at height.
Once a swarm has relocated into the fabric of the building and the property owner wants the bees removed, they have two options, fund the removal of parts of the building and its re-constitution when the bees have been removed or destruction of the bee's. It is virtually impossible to entice the queen out and the bee's will never leave brood.
I went out the other night and the swarm was tucked well into the bush in the front garden and I asked permission to cut the bush to gain access to the bees and this was refused. That turned an easy job into a real nightmare.