If you have just opened your bakery, there are a lot of things on your plate. When completing your inevitably long list of things to do, make sure you are also researching bakery insurance in San Francisco to ensure that you are completely covered in case an emergency happens or an accident occurs. Here are three important coverage options that you need to talk to your insurance company about.
Workers Comp Insurance
Although you hope that you will never have to actually file a claim against your workers comp insurance, it is unfortunately necessary. Accidents happen and in bakeries specifically, burns or cuts might happen more often than you would like.
If as an employer you have fewer than 50 employees, you will not be required to obtain this type of insurance. However, for more than 50 employees, recent federal regulations do require that you provide medical insurance options to all employees.
Commercial Vehicle Insurance
Many bakeries also do catering and delivery of goods. If you have a company-owned vehicle, you need to have commercial vehicle insurance. Just make sure that when you talk to your insurance agent that you have a full understanding of the state minimum coverage requirements. If you are still unsure of what your policy needs to cover in terms of bakery insurance in San Francisco, make sure you are discussing all of your options and requirements with a qualified insurance company.