When you say "insurance", what are you including in that quote?
- commercial vehicle insurance (which is WAY higher than personal auto insurance!)
- Liability insurance
- Property insurance (covers your equipment)
- Loss of income insurance
- Tenants or building owners insurance
My annual insurance for all the coverages I needed was over $3500, so be sure the quote you have is for ALL of the insurance you need, not just a "piddly little" liability policy.
And dont' forget that dang mop bucket! (STILL pi$$es me off!
I believe Jason already covered part of this, but you mentioned putting your consultation area in the back of the shop. Check with your HD to see if this is possible. I had a friend who had a retail cupcake/popcorn shop , with seating in the front, and his public restroom was thru his kitchen. he actually had to build a half wall down the middle of his kitchen, creating a hallway, for customers to walk thru because the public is NOT PERMITTED to walk thru a commercial kitchen. If they are a nose-picking, butt-scratching type of person and touch one finger to your counters, then its now contaminated. its a sanitation/contamination issue.