Get matched with top tree service pros in Panama, NY

Professional tree service companies typically insure themselves for between $500,000 to $2 million, depending on the size of the company and the extent of work they do—that type of tree-cutting insurance costs between $3,000 and $6,000 a year. But the average U.S. tree-cutting insurance policy covers about $1 million in general liability, which costs roughly $40 a month or $500 a year.

Trees that have grown with a lean for years are not dangerous, though the added weight to one side could cause an issue eventually. Things are more tricky with trees that seemingly developed a lean overnight. If one of these plants is leaning more than 15% from vertical, consider transplanting or straightening the tree.

There are two types of arborists: certified and consulting. A certified arborist is licensed and equipped to provide tree pruning, planting, fertilizing, monitoring, transplanting, treatment, and removal services. A consulting arborist specializes in tree appraisals, diagnosing problems and recommending treatments for illnesses. However, they will not provide these services themselves. Most consulting arborists are certified arborists who can refer you to a tree service that can administer the correct treatments.

You don’t always need a permit to grind a stump, but you might need one depending on your location and the stump’s surroundings. Permits are often needed if the stump is part of a protected tree species, near public areas or utility lines, or close to environmentally sensitive zones like wetlands. Some cities also regulate noise and work hours. Always check local rules before grinding, and contact your city or county office if you're unsure.