A Full-Service Insurance & Risk Management

Bates Hewett & Floyd

Providing Peace of Mind

For residents and businesses throughout North Florida and Georgia.

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A proposal is more than a simple quote (which we do offer). A proposal is an in-depth look at all the risks you face and it is a plan to properly insure you.

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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 across Northeast Florida and Georgia.

We are led by 2 generations proudly serving Palatka, Putnam County, St Johns County and surrounding communities for over 40 years!

Insurance Products

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Personal Insurance

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Health Insurance

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Business Insurance

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Financial Services

Open Enrollment for Health Insurance is Coming!

Yes, you qualify for Health Coverage. Contact us today to discuss your options.

Click below to learn more about this important time!

Our Latest Articles

Our periodic thoughts on current events, insurance, risk management, health insurance, and more.

Preparing for Flu Season During the COVID-19 Pandemic

Each year, the seasonal flu has a marked impact on businesses and employers, causing increased absenteeism, decreased productivity and higher health care costs. The past few flu seasons have seen high hospitalization and mortality rates, which has public health...

Managing Social Media Risk

Organizations continue to leverage social media channels to engage and interact with customers on a more personal level. Social media remains a great opportunity for businesses to connect with customers, job candidates and other stakeholders. However, before fully...

Zero Premium Health Insurance Available!

We have some exciting news! 80% of the people in our County and surrounding Counties qualify for a tax credit for Health Insurance called a subsidy. Zero Premium Health Insurance A subsidy is a credit paid by the IRS to the carrier - the health insurance carrier on...

Preparing for a Crisis

Planning is critical in business and can make all the difference when it comes to generating revenue, building a reputation, reducing insurance exposures and satisfying customers. However, while proper planning can help you grow your business, the fact is that—even if...

Preventing Overexertion at Work

Safety Focused Preventing Overexertion at Work According to the National Safety Council, overexertion is the third-leading cause of injury in the United States—with an estimated 3.5 million overexertion injuries taking place each year. These injuries can happen in the...

Managing in Times of Social Unrest

Social injustices, civil rights and discrimination issues affect all employers and employees across the country. Numerous recent events have led to unrest, which has permeated all areas of society, including the workplace. During these times, employees may be...

COVID-19 Vaccine Considerations for Employers

Since the onset of the COVID-19 pandemic, companies across the globe have been working to develop a COVID-19 vaccine. As the pandemic continues on and vaccine clinical trials progress, there may be a possibility of a COVID-19 vaccine being approved for use in the...

Insurance for My Child in School

After a forced homeschool year and long summer of COVID, it’s time to rejoice - the start of the school year is here! Moving up a grade, changing schools, or even heading off to college doesn't just mean changes for them — it means changes for you and most likely...

Cleaning and Disinfection for Households Amid COVID-19

Liv Well, Work Well Health and wellness tips for your work, home and life—brought to you by the insurance professionals at Bates Hewett & Floyd Insurance. This article compiles expert guidance from the Centers for Disease Control and Prevention (CDC). Purpose This...

Ransomware & Funds Transfer Fraud

RANSOMWARE ATTACKS What happens in an attack? Hackers get businesses to download Ransomware viruses by tricking employees into clicking on phishing emails or exploiting software security vulnerabilities. Once downloaded, Ransomware's objective is to lock up...