Make sure your policy states stump grinding. I had a policy with a large company here in Maine for years. We where planting trees on a golf coarse and dug up an power line, lucky it wasn't turned on. Now I had liability for tree work and landscaping and had the Back-hoe insured by same company. They won't pay claim because I didn't have excavation written into policy. How do you plant a 20" spruce without a back-hoe? They finally paid after adding a premuin of $600 to policy. Of coarse I dropped them the next year. Just make sure it says stump grinding in policy. Also we call Dig Safe before any job. Our contracts sate that we are not responsible for any underground utilies not marked by Dig Safe. This way we don't have to pay to fix any irrigation lines or small electrical lines going to outbuildings. Good Luck