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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.

Although it’s possible, heavy machinery like a crane is necessary for removing an entire tree stump and all. This procedure is extremely costly, time-consuming, and usually unnecessary, as there are plenty of convenient and affordable stump removal options. 

Your best bet, if you want to be sure to remove a tree and its stump efficiently, is to speak with a professional. They’ll be able to walk you through the entire process.

Palm trees will not regrow from a stump once the tree has been cut down. This type of tree is unique because the root and stump system will slowly decay after the tree is gone, unlike other species that can regrow. That’s why it’s preferable to remove dead or decaying palm tree stumps quickly as they can become an eyesore and don’t offer future growing potential.

Ideally, you’ll have a good enough relationship with your neighbors that you can kindly mention this task in regular conversation. However, every neighbor (and neighborhood) is different. Your best bet will always be to ask directly and nicely, offering to contribute to the tree trimming efforts if you’d like. However, if you are bothered by the tree and your neighbor is unwilling to cut it, you can involve the help of the homeowners’ association or local authorities, if applicable.