Daffin Insurance - Site Header
★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 ★

Business Owner's Policy
for Gulf Coast Businesses

Property and general liability bundled into one policy — built for small and mid-size Florida businesses by independent agents who shop the whole market for you.

Get a Free Quote
⌂ Independent Agency
◎ Property + Liability in One
◷ Quotes Within One Business Day
★ 5-Star Google Rating
We Sell Peace of Mind

Coverage built around
the business you built.

A Business Owner's Policy — or BOP — packages commercial property and general liability into a single policy at a single premium. For small to medium-sized, lower-risk businesses, it's usually the most affordable way to get serious protection. Daffin is independent, so we compare BOPs across Florida's top commercial carriers and recommend the one that actually fits your operation.

What's Inside a BOP

Two Core Coverages. Room to Build.

Property and liability come standard. Everything else gets added based on how you actually operate.

⌂

Commercial Property

The building you own, lease, or rent — plus equipment, inventory, furniture, and the sign out front.

◎

General Liability

Legal costs, settlements, and judgments when a customer or third party files a claim against you.

◷

Business Interruption

Payroll and lost income while you're closed for a covered loss — the coverage that keeps the doors open after a storm.

◇

Cyber & Data Breach

Add-on coverage for exposed customer data, ransomware, and the notification costs that follow a breach.

★

Equipment Breakdown

Power surges, mechanical failure, HVAC and refrigeration losses — the failures a standard property form leaves out.

♡

Beyond the BOP

Workers' comp, commercial auto, inland marine, and commercial umbrella — written alongside your package.

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

Gulf Coast small business owner protected by Daffin Insurance
Independent — Not Captive
The Daffin Difference

We shop for you.
You stay covered.

A captive agent can quote you one company's package and call it a day. As an independent agency, we compare BOPs across Florida's top commercial carriers — then tell you which one actually holds up for your business.

01

One Package, One Premium

Property and liability bundled together typically costs less than buying the two policies separately.

02

Written for Gulf Coast Risk

Wind, storm surge, and hurricane deductibles work differently here. We make sure you know what your policy does after a named storm — before one shows up.

03

Coverage That Grows With You

New location, new equipment, first employee — we adjust the policy as the business changes instead of waiting for a claim to find the gap.

04

Everything Under One Agent

Workers' comp, commercial auto, umbrella, and your personal policies — handled by the same people who answer the phone.

Get a Free Quote
Who We Cover

Main Street Businesses.
Gulf Coast Roots.

If you operate a small to medium-sized, lower-risk business in Bay or Gulf County, a BOP is probably your starting point.

Retail Shops
Restaurants & Cafés
Contractors
Salons & Spas
Professional Offices
Real Estate
Charters & Tourism
Wholesalers
Auto & Marine Service
Property Managers
Florida Business Insurance Questions

What Gulf Coast Owners
Need to Know

Commercial insurance in Florida gets complicated fast. Here are the answers business owners ask us most.

A BOP combines commercial property insurance and general liability insurance into one policy with one premium. It covers the physical things your business owns and the claims that come from third parties — the two exposures nearly every business shares.
Carriers generally look at your industry, revenue, square footage, and claims history. Small to medium-sized, lower-risk operations — retail, offices, service businesses, light contractors — usually qualify. If yours doesn't, we build the same protection through separate commercial policies. Either way, you're covered.
A BOP doesn't include workers' compensation, commercial auto, professional liability, health benefits, or flood. Those are written separately — and we write all of them, usually in the same conversation.
Wind and hurricane damage is typically covered under commercial property, but Florida policies usually carry a separate hurricane deductible calculated as a percentage of your building value. Flood and storm surge are excluded and require a separate flood policy. We walk through both before storm season, not after.
It depends on your industry, revenue, location, building value, and coverage limits — a two-person office and a coastal restaurant aren't close to the same risk. Because we're independent, we quote multiple carriers side by side so you can see where your number actually lands.
On the Gulf Coast, it's one of the most valuable pieces of the policy. If a covered loss shuts you down, this coverage replaces lost income and keeps payroll going while you rebuild. Businesses that skip it are the ones that don't reopen.
Yes. If you take card payments, store customer records, or run scheduling software, you have cyber exposure. Cyber liability can be endorsed onto most BOPs and covers breach response, notification costs, and recovery.
Yes — certificates and additional insured endorsements are routine for us. Send us the lease or contract requirements and we'll make sure your policy actually satisfies them before you sign.
Google Reviews

What Local Owners
Are Saying

Trusted by businesses across Bay & Gulf County since 2013.

★ ★ ★ ★ ★

"They rewrote our shop's package and found gaps our old policy never covered. Same premium, far better protection. Straight answers every time we call."

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 kind of turnaround is why we stay."

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

"After Michael we learned what business interruption really means. Daffin walked us through the whole claim. They know this coast and they know these policies."

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

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

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.

Whether you're opening your first location, hiring your first employee, or replacing a package 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