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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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!

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386-328-1100.

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Aging Buildings: HVAC Systems

Commercial Insights Aging Buildings: HVAC Systems Heating, ventilation and air conditioning (HVAC) systems are integral to achieving thermal comfort and acceptable indoor air quality in buildings. As a building ages, its HVAC system must be maintained and updated to...

Structural Issues and Aging Buildings

While modern building codes and structural engineering have made buildings extremely safe, facilities managers must maintain a high level of upkeep for them to remain that way. As buildings age, they can lose their structural integrity. As such, if simple repairs are...

Ransomware Attacks Reach All-time High in Q4 2020

Ransomware attacks spiked in 2020 as the fear and chaos of COVID-19, combined with the transition to remote work, provided an abundance of opportunities for cybercriminals. Advisen data shows ransomware attacks reached an all-time high in 2020, with a particular...

Practicing Slip and Fall Prevention

Practicing Slip and Fall Prevention A janitorial employee was scrubbing the steps and floors with water and a cleaning agent. An observant worker realized that soon, dozens of employees would be going down these steps for their lunch break. This person then took the...

How to Avoid Heat Illness

Avoid Heat Illness When it is hot outside, your body temperature can rise to dangerous levels. Normally, your body cools itself through sweating. However, in hot and humid weather, sweating is not enough and the result can be a heat illness. Staying Cool Follow the...

What is a Pharmacy Benefit Manager?

What is a PBM? A Pharmacy Benefit Manager is a third-party administrator of prescription drugs for health plans. Every health plan has one, but many of us do not know who they are and how they operate. I think we can all agree the cost of prescription drugs is out of...

Cyber Risks & Liabilities

The Importance of a Standalone Cyber LIability Policy Over the course of the past decade, many organizations have relied on standard property and liability coverage rather than a standalone cyber insurance policy to provide protection for cyber incidents. In fact, a...

Risk Management: Dash Cameras for Commercial Vehicles

So you installed a Dash Cam, now what? One new trend we have seen continued growth in over the past few years is the installation of vehicle-mounted dash cameras. These cameras typically face out the front of the windshield but rear and driver-focused cameras can...

The Importance of Certificates of Insurance

No matter what industry you’re in, chances are your organization will, at some point, rely on the help of a third party to fulfill certain business needs. Regardless of who you work with, business arrangements with contractors and vendors can open you up to a number...

Why are my insurance rates going up?

To say the property insurance market in Florida is dramatically changing would be an understatement. There are new underwriting guidelines coming out on a regular basis, carriers dropping policies by the thousands, storms wreaking havoc on rates, litigation issues,...

Looking for more than a Quote?

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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