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.

General Liability Exposures Every Organization Should Know

Almost every organization faces commercial liability exposures. A commercial liability loss exposure is a condition or situation that presents the possibility of an organization becoming legally and financially responsible for injury, harm, or damage to another party....

Trending Employee Benefits That Strengthen Attraction And Retention Efforts

In the wake of the Great Reshuffle—the mass movement of workers to jobs that prioritize their needs—and macro trends like the tight labor market, attraction and retention are top of mind for employers. In fact, according to Zywave’s 2022 Attraction and Retention...

How Employers Are Responding to Record-high Inflation

The U.S. inflation rate has increased by 9.1% year over year, according to the Bureau of Labor Statistics (BLS). The BLS also reported that this is the highest the inflation rate has been since 1981. This has led to significant price increases across many consumer...

Fuel Efficiency Best Practices for Fleets

Improving the fuel efficiency of a company’s fleet of vehicles can have many financial and environmental benefits, especially with fuel prices on the rise. Fuel can be one of the largest and most difficult expenses to predict and control. Therefore, it’s important for...

Employee Quits Continue Downward Trend in May From All-time High

The U.S. Bureau of Labor Statistics (BLS) recently released its May Job Openings and Labor Turnover Summary. The number of employee quits continued to fall for the second month in a row; May’s reported number of employee quits fell to around 4.3 million, down from 4.4...

Construction Costs Outpacing Property Rate, Limit Increases

Property insurers are not raising coverage limits and rates to keep pace with inflating construction costs, according to a Moody’s Investors Service report. Rising costs for construction materials and labor means elevated loss severity for insurers because repair and...

The “Great Resignation” Continues

Employee Quits Reach Record High in March The U.S. Bureau of Labor Statistics (BLS) recently released its March Job Openings and Labor Turnover Summary. Notably, the number of quits increased to around 4,536,000 in March, up from approximately 4,384,000 in February....

Commercial Risk RoundUp – April 2022

Rising Property Replacement Costs Commercial property losses and insurance premiums have significantly increased over the past two years due to environmental and economic factors. Undervaluation of the replacement costs for a damaged building or equipment can also be...

The Role of Building Codes in Natural Disaster Resilience

Commercial Property Insights   Over the last several decades, natural disasters have become a growing concern—increasing in both frequency and severity. These disasters can cause significant property damage and claim numerous lives. According to the National Oceanic...

The Impact of Inflation on the Commercial Insurance Market

Over the past year, inflation has become a growing concern. Inflation issues have resulted mainly from a culmination of labor and supply trends brought on by the COVID-19 pandemic, and they are clearly reflected within the country’s rising Consumer Price Index (CPI)....

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