Bates Hewett & Floyd

Protecting What Matters

We are an Independent 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

Help protect your business and your employees.

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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 an independent 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!

The Bates Hewett & Floyd insurance team in Palatka and St. Augustine, Florida, providing personal, business, and health insurance solutions.

Offices in Palatka and St. Augustine

Your 2027 Health Insurance Roadmap: What Florida Families Need to Know Before Open Enrollment Starts

The lowest-premium health plan isn’t always the least expensive choice. Before 2027 Open Enrollment, learn how to compare deductibles, provider networks, prescriptions, out-of-pocket costs, and HMO, EPO and PPO plans based on how your family actually uses healthcare.

The Florida Rental Market Guide: Insurance Must-Knows for Renters, Landlords & Airbnb/VRBO Hosts

Renters, landlords, and short-term rental hosts face very different insurance risks. Learn the coverage gaps Florida renters and property owners often overlook—and why the way a property is used matters just as much as the property itself.

Summer on the Water & Road: What Your Auto, Boat & Recreational Policies Don’t Cover (But Should)

Summer means more time on the road and water—but are your insurance policies keeping up? Learn the most common coverage gaps Florida homeowners overlook and what to review before your next adventure.