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Consumers typically do not need to worry about the cost of tree insurance, as professional tree service companies pay for their own coverage. For a tree service business, an average U.S. policy covering about $1 million in general liability costs roughly $40 a month or $500 a year. More extensive policies, providing between $500,000 to $2 million in coverage, can cost between $3,000 and $6,000 annually, depending on the company's size and scope of work. Tree service professionals should speak with an insurance company to determine the right plan for their business.

Pruning is an effective way to prevent a diseased branch from infecting the rest of the tree. If the infection isn’t caught early enough and the pathogen has spread to the trunk or the majority of the branches though, it is too late to prune off the affected areas and you’ll likely need to remove the tree.

Pruning trees is important for several reasons. It improves tree health and strength by removing dead, diseased, or unwanted branches, which in turn encourages new growth and can help treat disease. For fruit trees, proper pruning can lead to a larger and better-quality harvest. Pruning also enhances safety by removing weak limbs that could break and fall, potentially causing injury or property damage, especially during storms. Beyond these functional benefits, pruning can also improve a tree's appearance. To ensure pruning is done correctly for the tree's long-term health, consider hiring a professional.

The best way to protect tree roots is to avoid the roots entirely by excavating outside the root radius of the tree. For nearby projects, it’s a good idea to construct a temporary retaining wall. But that’s not always possible, depending on the project and the root system. In these cases, consider using alternative equipment like an auger to tunnel under the ground.

Remember, tree roots can damage nearby cement foundations as they grow. If a tree is close enough to interfere with large excavations, it may be better to remove the tree than risk future problems.