Tonya and Lori are partners in a small bakery that they own on Main Street. Together they rent the location of their bakery. In order to make ordering more efficient for their customers Tonya and Lori have stored all of their clients information on the business computer for easy access.
Sometimes they hire an independent contractor to maintain equipment and clean the building.
When customers request cakes to be delivered, Lori takes her personal van.
I told Lori and Tanya that they needed Renters, Personal Auto, Worker's Compensation, and Director's And Officer's Liability Insurance.