Spanish to English Other Food & Drink Bakery

I'm translating information regarding liability insurance for various different types of businesses and there are two types of insurance products, "Comercios y Oficinas" and "Empresas". The text distinguishes between two different types of bakeries, which each corresponding to a different insurance product. "Panadería con horno" which corresponds to "Comercios y Oficinas" and "panadería con obrador" which corresponds to "Empresas". I'm struggling to figure out how to distinguish between these two types of bakeries, as all the information I've been able to find seems to suggest that a "panadería con obrador" is a bakery that bakes bread on site, but would that not just be the same as a "panadería con horno" in that case?

Any help would be greatly appreciated!