Business Insurance

Providing Insurance & Risk Management services for businesses in Putnam, St Johns, Flagler, Clay County, and throughout the Southeast.

Available Coverages:

  • Business Auto
  • Property Insurance
  • General Liability
  • Small Business Packages
  • Umbrella Policies
  • Employee Benefits
  • Workers Compensation
  • Professional Liability
  • Crime
  • Directors & Officers
  • Inland Marine


Our local agents are ready to assist you with all of your insurance & risk management needs!

Ben Bates

Ben Bates


Benjie Bates

Benjie Bates


Jini McCool

Jini McCool


Chris Lands

Chris Lands


Kevin Stone

Kevin Stone



Our Approach

Insurance & Risk Management

Businesses are constantly evolving. Familiar risks remain, but new & emerging risks are presenting themselves to businesses every day. Using our comprehensive risk assessment, we will work together to decide what matters most – developing a customized plan to protect your business. Our team will deliver on the plan that we have developed together and the promises we have made. As new risks emerge, we are here to identify them and make changes to the plan in real-time. Each year, we review the plan and what we have accomplished together and ensure the plan remains relevant and continually evolves as both your business and the world of risk does.

Work Comp Insights: Controlling Premium Audits to Eliminate Overcharges

Due to the volume of requests they receive, insurance companies have developed a very efficient premium audit process. While they strive to be as accurate as possible, they don’t have the time or resources to investigate and resolve every possible error or ambiguity...

Keep Electrical Fires Out of the Marina

While docked, many boaters like to take advantage of the electrical hookups provided. Although it can be very convenient, faulty electrical work in shore power wiring and the overloading of onboard circuits are some of the leading causes of marina fires. Here's how...

The Value of Cyber Insurance

As cyberattacks become more frequent and costly, it’s crucial for organizations to maximize their financial protection against related losses by purchasing sufficient insurance. Cyber coverage, also known as cyber liability insurance, can help organizations pay for a...

5 Employment Policies to Review in 2024

Employee handbooks are important tools for establishing employee expectations, addressing workplace issues and defendingagainst potential lawsuits. Failing to update the employment policies in these handbooks regularly can make employersvulnerable to legal risks and...

Benefits of Commercial Auto Insurance

When it comes to running a business, vehicles—whether they’re leased, rented, or owned—are crucial for a variety of tasks. Whether transporting materials and tools to worksites, hauling goods for deliveries, or driving to meet clients—companies of all kinds rely on...

Open Enrollment Education Opportunities

Open enrollment is a period of time each year when employers permit new employees to enroll in a health plan and allow current employees to make changes to their existing medical coverage. During open enrollment, employees may decide to change plans, add or drop a...

Small Business Insights: Cybersecurity Best Practices

Cyberattacks are becoming more frequent and complex, and businesses of all sizes and industries are potential targets. In fact, cybercriminals increasingly go after small businesses since they contain much of the same types of sensitive information as larger...

Seven Insurance Policies for Small Businesses

With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. Bates Hewett & Floyd Insurance Agency is here to help explain the types of insurance policies available and how they can help...

Business Insurance Outlook for 2023

Like many other sectors of the economy, the commercial insurance industry experienced changes to both its market cycles and operating procedures in the last 12 months. Specifically, hard market conditions somewhat started to ease, a contrast from recent years. This...

Trends Driving Social Inflation and How to Respond

As an insurance buyer, you may have heard the term “social inflation” used by your insurer to explain the factors driving up the cost of coverage in today’s market. In general, social inflation refers to the rising costs of insurance claims that are a result of...

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