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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.

In most ways, palm trees are incredibly low-maintenance. They don’t need a ton of water—which is why they’re so beloved in desert regions—and they basically prune themselves. But they do need an ample supply of sunlight and to be in soil that will allow for proper drainage so that their roots don’t become waterlogged and at risk of developing illnesses.

If the plant begins to wilt, develop spots, or change color, these could all be signs that your palm tree has a disease. But a few basic treatments, like pruning and applying fungicide, will usually be more than enough to return it to perfect health.

Once you confirm a tree is dead, you should remove it. Dead trees eventually fall, and larger trees in particular can cause damage to rooftops, fencing, flowers, and other objects. As we mentioned, letting decayed wood stay in your yard also invites risks to the surrounding landscaping and vegetation.

You should prune ornamental trees once every other year after the fruit has matured and begun to drop. You should also prune out dead branches whenever you see them. Pruning too often can stimulate more growth, especially in faster growing varieties like Bradford pears.