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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.

Whether you grind or dig up and remove your tree stump depends on your landscaping goals. Using a stump grinder leaves the root system in place for it to decompose over time, whereas digging up the tree stump removes the roots and the stump. Overall, stump grinding is a far simpler process since you won’t need to deal with the roots. Stump removal will make your yard look like a demolition site, but you’ll have an easier time replanting in the same place as your former tree.

Some people prefer to leave or even carve a leftover stump, but we recommend removing it if possible. You can often dig out smaller trunks with a shovel once they have died and dried out. You can have stumps professionally removed, or request a service to grind them down to ground level so they can be replaced with other landscaping or objects.

In some states and municipalities, you will need a permit to remove a tree on your property. In many cases where permits are required, a tree must reach a maximum height before a permit is required to remove it. You can either ask your local building department or a tree removal professional if you’ll need a permit. If you do, you can expect to pay between $50 and $150 for the permit alone. Your tree removal company should pull the permit for you and include the permit fee in your total.