Restaurant Insurance | Panama City & Port St. Joe, FL
You Handle the Kitchen.We’ll Handle the Coverage.
Proper insurance matters to your restaurant’s future as much as great food and good reviews. Daffin Insurance builds customized restaurant and food service coverage for businesses across Bay County, Gulf County and the Forgotten Coast, from food trucks to fine dining.
Coverage Built for the Food Business
A restaurant is a risky place. Your coverage should be built by people who understand it.
Independent, Not Captive
We’re not tied to one insurance company, so we can compare markets for your type of food business.
One Customized Plan
We combine the coverages you need into a customized policy plan built around the risks restaurants face.
We Learn Your Business
Our agents take the time to learn how you operate, then tailor a policy to your needs without straining your budget.
Real Agents, Two Offices
No call centers, no phone trees. Call Panama City or Port St. Joe and a local agent picks up.
Why Florida Restaurants Need Their Own Coverage
A restaurant is a risky place: sharp cooking utensils, liquid spills and hot surfaces, on top of the risks every Florida business faces, like theft and employee injury. For many restaurants, a single accident can be enough to seriously jeopardize the business.
All food and restaurant businesses in Florida need some type of restaurant insurance to get back to working order after a covered loss. That includes fast food, food trucks, coffee shops, bars and taverns, ice cream parlors, catering companies, delis and sandwich shops, buffets, donut shops, food delivery, pizza restaurants, concession stands and fine dining.
From contamination to employee theft, we make sure you’re properly covered.
What a Restaurant Policy Covers
- General liability and liquor liability.
- Business property and guest property coverage.
- Loss of business income when a covered loss shuts you down.
- Food spoilage & contamination, plus utility and equipment breakdown.
- Workers’ compensation and employment practices liability.
- Crime & robbery and cyber liability.
- Commercial auto and commercial umbrella.
One accident shouldn’t
close your doors for good.
Protection From the Front of House to the Back
A restaurant plan comes together in four layers. We help you decide what each one needs.
Your Liability
General liability and liquor liability for guest injuries and the claims that follow.
Your Property
Business property, guest property, equipment breakdown and food spoilage or contamination.
Your People
Workers’ compensation and employment practices liability for your staff.
Your Income & Extras
Loss of business income, crime and robbery, cyber liability, commercial auto and umbrella coverage.
What Our Neighbors Are Saying
“Daffin Insurance has been nothing short of amazing. They found us better home coverage at a lower rate than we had been paying for years. Local, honest, and genuinely helpful.”
“When our business needed commercial coverage quickly, Daffin came through same day. Real people, real answers. I would not trust anyone else with our Gulf County business insurance.”
“After Hurricane Michael I needed flood and wind coverage fast. Daffin walked me through every option with patience and zero pressure. They truly care about this community.”
How Restaurants Save
Combine Coverages
One customized plan can bring all the coverages you need together instead of piecemeal policies.
Compare Markets
We shop multiple carriers for your type of food business.
Tailored, Not Padded
We learn your operation so you’re covered for your real risks without straining your budget.
A Second Look at Renewal
Send us your current policies and we’ll compare coverage and price.
Restaurant Insurance, Asked and Answered
Who needs restaurant insurance?
All food and restaurant businesses in Florida need some type of restaurant insurance, including fast food, food trucks, coffee shops, bars and taverns, ice cream parlors, caterers, delis, buffets, donut shops, food delivery, pizza restaurants, concession stands and fine dining.
What does a restaurant insurance policy include?
Coverage can include general and liquor liability, business and guest property, loss of business income, food spoilage and contamination, equipment breakdown, workers’ comp, employment practices liability, crime and robbery, cyber liability, commercial auto and commercial umbrella.
Why do restaurants need special coverage?
Sharp utensils, spills and hot surfaces add risk on top of what every business faces, like theft and employee injury. A single accident can seriously jeopardize a restaurant.
Do you insure food trucks and caterers?
Yes. Whether you operate a food truck, own a donut shop, deliver pizzas locally or cater special events, we can build the right coverage.
Can I combine my coverages into one plan?
Yes. We combine the coverages you need into a customized policy plan tailored to your restaurant and your budget.
Keep the Doors Open No Matter What.
Tell us about your restaurant or food business. We’ll come back with options from multiple carriers, usually within one business day, from a local agent who answers the phone.
Mon–Thu 8:30a–5p CT · Fri 8:30a–4p CT
Mon–Thu 10a–5p ET · Fri Closed
Coverage descriptions are general and subject to policy terms, underwriting, and availability.