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Tree Service questions, answered by experts

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.

There are a few things you should look for in a stump removal company to make sure you’ll be satisfied with the results:

  • Proper business licensing and insurance

  • History of positive reviews

  • Good rating with the Better Business Bureau

We also recommend asking any company you’re considering the following questions to help find the best value:

  • Will you remove the roots as well as the stump?

  • Will you haul away wood chips or large portions of the stump?

  • What method will you use to remove the stump?

The best tools for tree removal include a chainsaw for large trees, an ax for notching and cutting down small trees, and a wedge to help control the direction a tree falls in. A hatchet can be useful for very small trees, but won’t be effective for medium to large trees. 

For small trees, tree removal should take just a couple of hours to complete. Assume that a mid-sized tree will take between four and eight hours, depending on the extent of the equipment required and the health of the tree. Remember to add up to two hours for stump removal. Larger trees could take as long as one or two working days, about eight hours each.

Generally, if your neighbor’s tree hangs over your yard, you can legally trim overhanging branches. Keep in mind that you cannot cross your property line to cut the trees, and if you damage the tree by trimming it, your neighbor could sue you. Depending on the type of tree and value, this could mean dishing out two to three times the value of the tree.

It’s worth noting that the specifics of this type of tree maintenance and the guidelines around it may vary by location. Do your research and, most importantly, consult with your neighbor.

The Clearwater, NE homeowners’ guide to tree services

From average costs to expert advice, get all the answers you need to get your job done.