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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.

Tree pruning is a common and helpful tree maintenance technique that involves carefully cutting and trimming unwanted branches so that the tree can continue to grow and thrive. Pruning is done carefully and intentionally. Tree topping is a frowned-upon method that involves removing and cutting most or the entirety of the top of the tree, including structurally important branches.

Yes, it is essential to confirm that any tree service company you hire is properly insured before they begin work. Tree removal, trimming, and pruning are dangerous jobs, and proper insurance protects you, your home, and the company from liability in case of accidents or damage. Look for a company that carries both general liability and workers’ compensation insurance, and do not hire one that cannot provide proof of coverage. When browsing for professionals, you can look for indicators like an “Angi Approved” badge, which signifies that the business meets standards like holding applicable licenses and passing a background check. Keep in mind that a license is a legal requirement to operate, while certifications are typically voluntary.

A dead tree should always be cut down, because it could fall and cause injuries or damage, and it can also attract insects like carpenter ants. A tree that’s diseased beyond repair should also be cut down, but it’s not always easy for a homeowner to tell. Signs of disease include dying branches, a hollow trunk, leaning, and discolored or missing leaves, but your best bet is to hire a local arborist who can evaluate the tree and tell you if it can be saved or should be cut down.