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Trees aren't big fans of moving, and they do go into shock during a transplant. Although most carefully thought-out tree transplants see the tree recover from the shock just fine, there is always a risk of having an unsuccessful move. Proper preparation, timing, and diligent aftercare are crucial to minimize the risks when transplanting a tree.

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 some states and municipalities, you will need a permit to remove a tree on your property. In many cases where permits are required, a tree must reach a maximum height before a permit is required to remove it. You can either ask your local building department or a tree removal professional if you’ll need a permit. If you do, you can expect to pay between $50 and $150 for the permit alone. Your tree removal company should pull the permit for you and include the permit fee in your total.

Pruning can impact cold hardiness—but it’s less about the exact temperature and more about temperature variation. Generally, you don’t want to prune trees when there’s a risk of temperatures suddenly dropping from 50 to 60 degrees Fahrenheit to 0 degrees Fahrenheit or below. A tree is most sensitive until 48 hours after it’s pruned.