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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.

It depends. Smaller, younger trees take longer to mature, but they're more resilient, their roots don't get as damaged during transplanting, and they recover faster. Plus, they're much more affordable to plant, and it's possible to DIY the planting. 

On the other hand, mature trees produce fruit faster and provide more shade and privacy immediately. Ideally, a small or medium tree is the better choice if you can wait a few years for it to mature. But if you need immediate maturity, a larger tree is the only option.

You should avoid cutting off the top of mature cherry trees. This process is called tree topping, and it’s not recommended for cherry trees—or any trees, for that matter. Tree topping removes between one-third to half of the length of the tree trunk, resulting in structurally unsound, fruitless suckers. The only exception is for saplings. Young pie, sour, and tart cherry trees that are over 30 inches tall in the fall or winter before the tree blooms can benefit from heading cuts.

Yes, it’s possible to overwater a newly-planted tree. Daily watering is great for the first few weeks, but it’s important not to go overboard. Excessive watering can lead to various problems, including root rot, fungal diseases, and a lack of root development.