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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.

The typical lifespan of a Bradford pear is relatively short, only 15 to 25 years. However, these trees have issues long before their life is over. Due to their soft wood and fast-growing branches, Bradford pear trees often split around 15 years, making them a risk for falling branches and more prone to disease. 

While trees can grow in the curb strip between the sidewalk and the street, this placement often poses the problem of interfering with overhead power lines. It’s best to consult your local utility provider and tree planting service before transplanting a tree that might grow into power lines. Also, you should never work within 20 feet of a live power line to avoid the risk of electric shock. Tree branches should never touch nearby power lines, so it’s essential to ensure your tree isn’t in danger of growing too close to them.

Dutch elm disease can’t harm humans. In fact, according to Cal Fire, bark beetles aren’t even typically dangerous to trees unless that tree is already weakened. The problem comes when Dutch elm disease kills a tree. That tree is more at risk of falling and catching fire, which can pose a serious threat.