Open Enrollment for Health Insurance

Open Enrollment is the yearly period when you and your family can sign up for, change, or cancel your health insurance plans.

The open enrollment period for the Health Insurance is now open. Contact us to discuss your options – with plan premiums as low as $0!

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Bates Hewett & Floyd

Providing Peace of Mind

We are a Full-Service Insurance & Risk Management Agency.

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Personal & Business Insurance

It’s good to have options! Call us at (386) 328-1100

Serving residents and businesses throughout North Florida and Georgia

and throughout the Southeast United States

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Convenient Locations

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Personal Insurance

It’s good to have options! Learn more >

Health Insurance

Take care of those closest to you. Learn more >

Business Insurance

Protect your business and your employees. Learn more >

Financial Services

Attuned to your unique financial goals and tailored to encompass all of the existing variables in your financial life. Learn more >

Not Your Average Local Agency

Bates Hewett & Floyd is not your average local agency. Our approach to insurance and risk, our longevity in our community and the way we treat our clients sets us apart.

We are a full-service insurance agency working with individuals and businesses.

We are led by 2 generations proudly serving Palatka, Putnam County, St Johns County and throughout the Southeast United States for over 40 years!

Offices in Palatka and St. Augustine

How to Safeguard Your Small Business from Holiday Interruptions: The Role of Business Interruption Insurance

As the holiday season approaches, many small businesses in Palatka, St. Augustine, and surrounding areas are gearing up for their busiest time of the year. For many, the holiday rush represents a significant portion of annual revenue, making it essential for these...

Tips for Reducing Employee Benefit Costs without Sacrificing Quality

Maintaining high-quality employee benefits is essential for attracting and retaining top talent, but rising costs can strain any company's budget. As a local insurance company, you understand the delicate balance between cutting expenses and ensuring employees still...

The Value of Commercial Umbrella Insurance

In today’s litigious world, the frequency and severity of liability lawsuits are on the rise. These legal battles can often result in substantial financial losses, potentially exceeding an organization’s primary liability coverage limits. When this happens, businesses...