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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.

A standard tree removal doesn’t include stump grinding. If you want your contractor to remove your tree and grind the stump, you must pay an extra charge. That said, you’ll likely save on the cost of stand-alone service—especially if it’s a small tree and they can finish both jobs in a single trip.

No, you should never top maple trees. Topping injures the tree and leads to the rapid growth of a weak canopy, which can be hazardous to rooftops and utility lines. Removing the crown can also leave the interior bark vulnerable to sun damage, leading to insects and disease. A topped tree can also reduce property value and permanently damage the appearance of a tree.

Stump grinding consists of removing the visible part of the stump, but the roots remain intact. Depending on the tree and root system, the roots may still grow after stump grinding. If you are concerned about root growth and damage, you may want to consider having a stump removed completely.

Local tree removal prices range from $200 to $2,000 overall, but vary depending on:

  • Local cost of labor and supplies

  • Accessibility of the tree

  • Local laws regarding who is allowed to remove the tree

  • The species of the tree (softer woods are often easier to remove)

  • Local seasonal discounts for the off-season

The Decatur, NE homeowners’ guide to tree services

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