| If you run your own small business, whether you | | | | already come with all the features and benefits that |
| employ a few other people or you work as a sole | | | | are important to you and the business you run. You |
| contractor, then getting the right insurance cover in | | | | may, on the other hand, find that a general business |
| place may be vital to the future of your company. If, | | | | policy will ask you to add on important cover |
| for example, you work as a tree surgeon, then you | | | | elements. If you have to add cover on then you'll |
| may be looking at what kinds of general business | | | | usually find that your costs will rise. |
| insurance will be right for you. You may, find that a | | | | It is important to think about what you actually need |
| specialist tree surgeons insurance policy could be the | | | | from your insurance cover before you start looking |
| right choice rather than a standard business insurance | | | | at a policy to buy. You may want to look, for |
| policy, which may not provide all the protection you | | | | example, at your liability to the general public. If you |
| need. | | | | are working on a tree next to a public pathway, for |
| As a tree surgeon you work in a very specialist field. | | | | example, and someone gets injured then they may |
| To a lot of general business insurers this field may be | | | | sue you and, you may be hit with legal and |
| seen as high risk. What does this mean for you? It's | | | | compensation costs. |
| simple. A lot of general business policies may not give | | | | As a tree surgeon you probably already know that |
| you all the cover you need at the right cost. So, you | | | | the services you offer are specialist. You couldn't, for |
| may have to pay extra to get specialist sector | | | | example, assume that a general landscape gardener |
| cover. This may not be an issue with a specialist | | | | could do the job you do. Tree surgeons insurance |
| policy. | | | | can work in much the same way compared to |
| With a specialist tree surgeons insurance policy you | | | | general insurance. It may help you to meet your |
| may even be able to buy an 'off the shelf' policy. | | | | specific business needs so may well be the policy |
| This means that a policy that you look at may | | | | choice for your business. |