Bates Hewett & FLoyd Recent Articles

Insurance, Risk Management and Financial articles

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...

Preparing for a Second Wave of COVID

Even as stay-at-home orders and restrictions are lifted, daily operations won’t be business-as-usual for many across the country. The coronavirus (COVID-19) pandemic is still going on, despite businesses reopening. Moreover, public health officials and experts are...

Cyber Attacks – A Growing Business Interruption Threat

When you think about what usually causes a business interruption, natural disasters such as fires, earthquakes and floods probably come to mind first. These events can physically damage your property and equipment, making your workspace unusable for a time. The...

Protecting Your Business During Civil Unrest

Civil unrest can create unique challenges for businesses. Specifically, business owners face the risk of vandalism, stolen or damaged goods and extensive property damage. With this in mind, it’s crucial to take steps to mitigate the risk of potential damages to your...

COVID-19 Reopening Considerations

The COVID-19 pandemic has forced many restaurants and food service businesses to shift to survival strategies like carryout or delivery service. Some even had to close their doors for an extended period. As the COVID-19 threat shifts, several states have officially...
Redesigning a Post-COVID Office

Redesigning a Post-COVID Office

The coronavirus disease (COVID-19) pandemic has changed many aspects of the current workplace, and soon, employers should begin planning for what their post-coronavirus office will look like. Previously, social distancing and COVID-19-related best practices hadn’t...

Cost of Boat Insurance in Northeast Florida

Cost of Boat Insurance in Northeast Florida

Many Northeast Florida boat owners worry about the cost of boat insurance.  In Florida, boat insurance is not required by law in Florida but the cost of not having adequate insurance can be potentially devastating. Also, it is important to note that most Florida...

Easier Testing and Treatment for COVID-19

Easier Testing and Treatment for COVID-19

A message from Florida Blue CEO, Pat Geraghty  We’re here to help "We’re closely monitoring the developments and are making it easy for you to get the latest information. Just click the novel coronavirus link at the top of or on our mobile app. In the...

How Coronavirus Could Impact Your Business’s Insurance

How Coronavirus Could Impact Your Business’s Insurance

The new coronavirus (COVID-19) outbreak continues to be a top-of-mind concern for organizations and individuals across the globe. As COVID-19 becomes increasingly widespread, it’s not only raising fears about the well-being of the general public, but it’s also...

Protecting Workers from Coronavirus

Protecting Workers from Coronavirus

As concerns about the COVID-19 continue to rise, many employers are left to wondering what they can do to protect their workforce. This Risk Insights below will examine what coronavirus is, how it spreads, and what employers can do to protect their workforce. What Is...

COVID-19 Updates

COVID-19 Updates

We are open for business but taking the necessary precautions to ensure our client and employees' safety. Here are some information and updates to be aware of. The link to our epay portal as mentioned in the video can be found here....

Insuring a Valentine’s Day Proposal – And Beyond

Insuring a Valentine’s Day Proposal – And Beyond

Insuring a Valentine's Day Proposal - And Beyond   Are you practicing your proposal speech and picking out pants that are comfortable in the kneeling position? Valentine’s Day is the perfect setup for a romantic proposal, but you have more to think about than what...

What is Umbrella Insurance?

What is Umbrella Insurance?

What is something or someone completely out of your control caused you extreme financial hardship? If an incident happened and exceeded your liability protection, you could end up owing millions of dollars in damages. Luckily, there is an inexpensive insurance policy...

Putnam Insurance: What Makes You Unique?

Putnam Insurance: What Makes You Unique?

Putnam Insurance: What Makes You Unique? Putnam County, Florida is a beautiful place to live, raise a family, and retire. There is a lot to love about this area, which offers a slower pace of life when compared to many of the larger cities throughout the state. Here...

Understanding Inland Marine Insurance

Understanding Inland Marine Insurance

Understanding Inland Marine Insurance The term “inland marine insurance” is confusing to many people. “Marine” is a term we associate with the sea yet Inland Marine Insurance refers to items being transported overland. This includes a wide range of items businesses...

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