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★Your hometown neighbors, selling peace of mind so you can enjoy the finer things on the coast★
☂Hurricane Prep Get a Free Quote
Serving All of Florida Since 2013 ★ Panama City: (850) 769-8183 ★ Port St. Joe: (850) 705-1005
★ Serving Bay & Gulf County Businesses Since 2013 ★

Commercial Auto Insurance
for Florida Businesses

Liability and physical damage protection for the vehicles that keep your business moving — whether you run a fleet of forty or a fleet of one.

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⌂ Independent Agency
◎ Fleets of Any Size
◷ Certificates Same Day
★ 5-Star Google Rating
We Sell Peace of Mind

Protecting the engine
that drives your business.

Your personal auto policy stops at the moment a vehicle goes to work. Commercial auto covers the cars, trucks, and vans your business actually depends on — plus the drivers behind the wheel and the liability that follows them down the road. Daffin is independent, so we compare commercial carriers and build the policy around how your operation really runs.

What We Cover

Every Vehicle on the Payroll.

From a single service truck to a full Gulf Coast fleet — if it works for your business, we can write it.

◎

Delivery Vans

Route vans, cargo vans, and sprinters — covered for liability, physical damage, and the cargo inside.

⌂

Box & Delivery Trucks

Higher limits and cargo coverage for the trucks carrying your product to customers across the Panhandle.

◇

Passenger & Sales Vehicles

Company cars used for sales calls, showings, and estimates — where personal policies quietly stop covering you.

★

Construction & Service Trucks

Work trucks, dumps, and bucket trucks — plus inland marine for the tools and equipment they haul.

◷

Semi-Trucks & Trailers

Tractors, trailers, and long-haul operations — written to meet filing and contract requirements.

♡

Hired & Non-Owned Auto

When employees run errands in their own cars or you rent a vehicle for a job, this is the coverage that responds.

By the Numbers

Trusted by Gulf Coast
Business Owners Since 2013

10+

Years on the Gulf Coast

20+

Top Carrier Partnerships

2

Local Florida Offices

5★

Google Rated

Commercial fleet and specialty vehicles insured by Daffin Insurance in Panama City, Florida
Independent — Not Captive
Inside the Policy

Four coverages
doing the real work.

Commercial auto is more than a bigger version of your personal policy. These are the pieces that decide whether a bad day on the road becomes a bad year for the business.

01

Liability

Bodily injury and property damage when your driver is at fault. Commercial limits run far higher than personal auto — and contracts often require it.

02

Physical Damage

Comprehensive and collision on your own vehicles, including hurricane wind, flooding, hail, and falling debris.

03

Medical Payments & Uninsured Motorist

Florida ranks among the worst states for uninsured drivers. UM is what protects your people when the other driver has nothing.

04

Hired & Non-Owned Auto

Covers vehicles you rent, borrow, or don't own but still send down the road on company business. The gap most owners never see coming.

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How We Build Your Policy

We Ask First.
Then We Quote.

Every commercial auto quote we write starts with the same questions — because the answers change the coverage and the price.

What Vehicles You Run
How Many
How Many Drivers
CDL or Chauffeur Licensing
Employees or Contractors
Weekly Hours on the Road
Radius & Routes
Cargo & Equipment Hauled
Contract Requirements
Claims History
Start a Fleet Quote
Commercial Auto Questions

What Florida Owners
Need to Know

The questions we get most from business owners across Bay and Gulf County.

If the vehicle is titled to the business, carries company signage, hauls tools or product, or is driven by employees, your personal policy can deny the claim. A fleet of one still needs a commercial policy — and it's often less expensive than owners expect.
Occasional commuting is usually fine. Regular business use — deliveries, service calls, hauling equipment, transporting clients — is typically excluded. The exclusion doesn't surface until you file a claim, which is the worst possible time to find it.
Florida requires commercial vehicles to carry minimum liability protection, with higher thresholds for larger trucks and for-hire operations. Contracts, lenders, and municipalities frequently require more than the state minimum. We check what applies to your operation before you sign anything.
It covers vehicles your business uses but doesn't own — rentals for a job, or an employee running to the supplier in their own car. Without it, a crash in an employee's personal vehicle on company time can land directly on the business.
Not by itself. Physical damage covers the vehicle; tools, equipment, and materials inside need inland marine or a contractor's equipment policy. We write both, so nothing falls between the two.
Listed drivers operating a covered vehicle in the course of business are covered under your liability limits. Driver records affect your rate, so we review the roster with you and flag anything that could cause a problem at renewal.
Comprehensive coverage handles wind, hail, falling debris, and flood damage to vehicles — a real consideration when your trucks sit in a Gulf Coast lot during storm season. We recommend it on every commercial vehicle.
Gladly. Send us your current declarations page and we'll tell you plainly where the limits are thin, what's excluded, and whether the price is competitive — even if the answer is that you should stay where you are.
Google Reviews

What Local Owners
Are Saying

Trusted by businesses across Bay & Gulf County since 2013.

★ ★ ★ ★ ★

"They moved our six work trucks over and cut the premium without cutting limits. First agency that actually asked how we run the routes."

Sarah M. Panama City, FL — Google Review
★ ★ ★ ★ ★

"Needed a certificate of insurance same day to close on a contract. Daffin had it to me in under an hour. That turnaround is why we stay."

James R. Port St. Joe, FL — Google Review
★ ★ ★ ★ ★

"One of our guys had a wreck in his own truck on a job run. Daffin had already put non-owned coverage on us. That call could have ended the company."

Linda K. Bay County, FL — Google Review
Our Commercial Carriers

Top-Rated Companies.
Local Expert Guidance.

We partner with Florida's most trusted commercial carriers — so you get real choices, not one take-it-or-leave-it quote.

Progressive Commercial
Travelers
The Hartford
Nationwide
Safeco
Liberty Mutual
National General
& Many More
Bay County

Panama City Office

755 Harrison Avenue · Panama City, FL 32401
Mon–Thurs 8:30a–5p · Fri 8:30a–4p
Serving Bay, Washington & Walton Counties

(850) 769-8183 info@daffininsurance.com Meet the Bay County Team →
Gulf County · Florida's Forgotten Coast

Port St. Joe Office

509 Cecil G. Costin Sr. Blvd · Port St. Joe, FL 32456
Mon–Fri 10a–5p
Serving Gulf, Franklin & Calhoun Counties

(850) 705-1005 psjinfo@daffininsurance.com Meet the Gulf County Team →
Ready When You Are

One form. One business day.
Real coverage guidance.

Adding your first work truck, expanding the fleet, or replacing a policy that's let you down — we'll get it right.

Get a Free Quote
Panama City Office (850) 769-8183
Port St. Joe Office (850) 705-1005
📞Panama City ◎Free Quote 📞Port St. Joe