With dwarf or semi dwarf trees, and water lines in good condition, I wouldn't sweat it unless they were within 3' or so. Sewer would be slightly more concern but not much. Most water lines are a couple of feet or more down, and the primary root ball of a semi-dwarf doesn't reach that far. It is extremely rare to have to dig up an incoming water line.
Sprinkler lines should be easy enough to re-route if a problem develops.
Sprinkler lines should be easy enough to re-route if a problem develops.