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

Beyond the Minimum: Florida Auto & Liability Coverages That Actually Protect You in 2026

Many Florida homeowners unknowingly have gaps in their home insurance coverage. This guide explains what to look for, why it matters, and how to address it before storm season begins.

The Hidden Gaps in Your Home Insurance: What Florida Homeowners Need to Fix Before Storm Season Begins

Many Florida homeowners unknowingly have gaps in their home insurance coverage. This guide explains what to look for, why it matters, and how to address it before storm season begins.

Get Ahead Before the Holidays: Why October Is the Smart Time to Review Your Home & Auto Insurance

As the year closes in and seasons shift, October presents a prime opportunity to reassess your home and auto insurance before holiday risks and year-end changes set in.