Coverage for Gulf County’s
Kitchens, Bars & Cafés
From Reid Avenue to Cape San Blas to Wewahitchka, Gulf County restaurants feed locals all year and visitors all summer. Sheena Strange, our lead commercial agent, grew up here and builds coverage around how your place actually runs.
Local to Both Ends of Highway 98
Gulf County Born and Raised
Sheena knows the difference between a Reid Avenue lunch counter, a beach bar at Indian Pass and a fish camp on the Dead Lakes, because she grew up eating at all of them.
She Comes to You
She’ll walk your kitchen before service or after close, look at the hood, the coolers and the parking lot, and build the recommendation from what she sees.
Built for Scallop Season
Summer and scallop season can double your staff and your sales. She sets up payroll and sales estimates so the audit matches the year you really had.
Wind Zone Experience
Since Michael, coastal property in Gulf County takes careful work. She reviews wind, flood and business income limits line by line.
A Gulf County Restaurant Policy, Piece by Piece
Most restaurants start with a business owner’s policy or a restaurant package that bundles liability, property and business income. For Gulf County, the details that matter most are wind and flood terms, how long business income would really last if a storm closed you for the season, and liquor liability if you pour.
Many Gulf County spots make most of their year between Memorial Day and the end of scallop season. A policy that pays for a short shutdown but runs out before the next season starts isn’t enough protection.
- General liability: guest injuries, slip-and-falls and foodborne illness claims
- Liquor liability: claims tied to alcohol you serve, usually excluded from standard GL
- Property & equipment breakdown: your building or build-out, hoods, coolers, ice machines and POS
- Food spoilage: seafood and inventory lost when the power goes out
- Business income: lost profit and payroll while you’re closed after a covered loss
- Workers’ compensation: kitchen burns, cuts and slips, with seasonal staff included
- Wind & flood: frequently written separately on the Forgotten Coast, and where the fine print matters most
Meet Sheena Strange
Sheena grew up in Gulf County and is Daffin’s Senior Vice President of Operations and lead commercial agent. She handles restaurant and hospitality coverage for businesses from Port St. Joe to Wewahitchka, and she would rather see your place in person than read about it on a form.
Bring her your current declarations pages and she will tell you what they cover, what they don’t, and what they should cost. Read more about Sheena or email her at sheena@daffininsurance.com.
Four Days Every Owner Plans For
The real-world losses a Gulf County restaurant policy should be ready for.
The Storm Closure
A named storm damages the building in August. Property pays for repairs, and business income keeps bills paid while you rebuild.
The Outage
The power is out for days after a storm and the walk-in full of Gulf seafood is lost. Spoilage coverage replaces the inventory.
The Deck Slip
A guest slips on a wet deck after an afternoon shower. General liability covers medical costs and your defense.
The Busy-Season Injury
A seasonal hire is hurt during the July rush. Workers’ comp covers the claim, as long as your payroll was set up correctly.
Lowering What You Pay
Package Where It Fits
A restaurant BOP or package program usually beats buying each piece separately.
Strengthen the Building
Wind mitigation features like roof straps, shutters and impact openings can bring real property credits.
Document Hood Maintenance
Cleaning and suppression inspection records help with property underwriters.
Shop Many Carriers
Sheena quotes multiple markets every renewal, so you aren’t stuck with whoever offered last year.
Let’s Walk Your Place
and Get It Right
Email Sheena or call the Port St. Joe office. She’ll come to you, review what you have, and shop it across multiple carriers.
Talk With an Agent
Panama City Office
Friday: 8:30a-4p CT
Sat & Sun: Closed
Port St. Joe Office
Fri-Sun: Closed