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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 most ways, palm trees are incredibly low-maintenance. They don’t need a ton of water—which is why they’re so beloved in desert regions—and they basically prune themselves. But they do need an ample supply of sunlight and to be in soil that will allow for proper drainage so that their roots don’t become waterlogged and at risk of developing illnesses.

If the plant begins to wilt, develop spots, or change color, these could all be signs that your palm tree has a disease. But a few basic treatments, like pruning and applying fungicide, will usually be more than enough to return it to perfect health.

If you don’t trim your palm trees, you can expect several negative outcomes, including:

• Unhealthy palm trees attract pests, diseases, and fungi 

• Dead falling fronds can cause severe injury or damage to your home, pedestrians, or cars

• Dead palm branches are flammable and can catch fire, especially during a lightning storm

You should plant trees at least 15 to 20 feet away from your house, and more if the tree will grow large and spread its limbs. Trees pose several dangers to houses when planted too close. They can litter the roof with leaves and branches, create fire hazards, make a ladder for larger pests, and even damage the foundation as their roots grow.