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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.

In nature, there are many things that can cause a tree to die, including diseases, insects, and natural disasters such as fires or droughts. Non-natural methods of killing a tree include herbicides or manual intervention, such as cutting it down. Consult a tree removal professional about your options for naturally killing a tree.

Most tree surgeons cost around $100 per hour or between $70 and $200 per hour for their services. You might get flat fees for more straightforward services, like a tree assessment, tree removal, stump grinding, and one-off treatments, but many times, treatments for tree diseases or pests will be charged based on an hourly rate or a per-visit rate. Since the cost of a tree surgeon can vary widely, it’s best to speak with an arborist near you to get an idea of what your particular issue will cost to correct.

Tree experts don’t advise against digging through tree roots, but instead encourage caution and consultation with a local arborist to make sure you don’t damage the tree’s structure or interrupt its water or nutrient intake. An arborist can recommend specific practices when digging and help prune the roots or dig a trench for utilities with a tool that can remove soil without touching the tree’s roots.