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

5 Hurricane Season Insurance Mistakes to Avoid

Stocking up on supplies isn’t enough—true hurricane prep means making sure your insurance is storm-ready. From overlooked flood coverage to outdated policy limits, this guide outlines five common insurance mistakes that could leave you vulnerable during hurricane season. Take these simple, proactive steps now to protect your home, your business, and your peace of mind.

Float into Spring: 5 Questions to Ask About Your Boat Insurance Before You Launch

Before you head out for sunny days on the water, make sure your boat insurance is seaworthy, too. From storm protection to liability coverage, Bates Hewett & Floyd breaks down five key questions to ask about your policy — so you’re protected all season long in St. Augustine, Palatka, and beyond.

Preparing Your Home for Spring Storms: Essential Tips for Jacksonville, Florida Residents

Spring storms in Jacksonville can bring heavy rain and strong winds, making home preparation essential. From reinforcing your roof to reviewing your insurance policy, these proactive steps help safeguard your property and ensure your family’s safety.