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Open Enrollment for Health Insurance

Let us help you find Health Insurance Coverage that fits your needs and price.

If you would like to request a quote, then fill out the form below and one of our locally licensed agents will contact you to discuss your options.

You can also contact us directly with any questions.

(386) 328-1100 or info@bates-hewett.com

We here at Bates Hewett & Floyd look forward to speaking with you!

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Not your average local agency. We are an independent agency working with individuals and businesses across Northeast Florida and Georgia.

Insurance isn’t always as straightforward as it Insurance isn’t always as straightforward as it seems.

A boat trailer. Fishing gear. A golf cart. Custom upgrades. These are all situations where people often assume they know what’s covered—until they’re faced with a claim.

Every policy is different, which is why understanding the details is just as important as having coverage in the first place.

As your local independent insurance agency, we’re here to help you navigate the fine print, answer your questions, and make sure your coverage fits the way you actually use your vehicles and recreational equipment.

Have a question about your policy? We’re always happy to help.
Summer in Northeast Florida means more time outsid Summer in Northeast Florida means more time outside—whether that's taking the golf cart through the neighborhood, towing the boat to the ramp, or heading out for a weekend on the water.

It also means using your vehicles a little differently than you do the rest of the year.

One of the questions we encourage clients to ask this time of year is simple:

**"Does my policy still match how I'm actually using it?"**

Small changes in how, where, or who is using a vehicle can raise important coverage questions. A quick review now can provide clarity before your next weekend adventure.

That's exactly why this month we're talking about **the fine print nobody talks about**—helping you understand the details before you ever need to rely on them.
Sometimes the most expensive insurance mistake isn Sometimes the most expensive insurance mistake isn't forgetting to buy coverage.

It's assuming you already have it.

Summer has a way of changing routines.

More drivers.

More boats.

More trailers.

More weekends away.

More opportunities for assumptions.

Before your next trip, take a few minutes to review what your policy actually covers.

The details are often more important than people realize.
Owning a boat and having boat insurance aren't alw Owning a boat and having boat insurance aren't always the same as understanding what your policy actually covers.

Questions like who's operating the boat, where it's being used, and how it's being used can all influence coverage depending on your policy.

Before another day on the water, it's worth making sure you're relying on facts—not assumptions.

That's exactly what we're exploring this month.
Most liability claims don't begin with a lawsuit. Most liability claims don't begin with a lawsuit.

They begin with an ordinary day at work.

A customer walks through your front door.

An employee makes an honest mistake.

A contractor accidentally damages someone else's property.

The situations themselves aren't unusual—which is exactly why they're easy to overlook.

Liability isn't about expecting something dramatic to happen. It's about understanding the everyday moments that have the potential to become costly.

That's why reviewing your risk is just as important as reviewing your coverage.
When people think about hurricane preparedness, in When people think about hurricane preparedness, insurance is often the first thing that comes to mind.

And it should be.

But some of the biggest challenges businesses face after a disruption have little to do with the policy itself.

Communication, access to information, operational continuity, and clear responsibilities often play just as important a role in how quickly a business recovers.

That's why we're encouraging business owners to think beyond coverage this hurricane season.

The strongest recovery plans don't start after the storm—they start before it.
Hurricane season officially begins this month. Fo Hurricane season officially begins this month.

For many business owners, preparation starts with insurance coverage.

That's important.

But some of the biggest challenges after a storm aren't insurance problems.

They're business problems.

How will employees communicate?

Can customers still reach you?

Do key team members have access to critical information?

What happens if operations are interrupted for several days?

Insurance is an important part of preparedness, but it's only one piece of the puzzle.

The businesses that tend to recover fastest are often the ones that have thought through these questions before they're needed.

That's why this time of year, we're encouraging business owners to review more than just their policies.
Looking for a way to spend a Thursday evening in d Looking for a way to spend a Thursday evening in downtown St. Augustine?

Concerts in the Plaza returns this Thursday with a performance by the United States Navy Band from 6:00–8:00 PM at the Plaza de la Constitución.

This free community concert series has been a local tradition for years and is a great excuse to grab a lawn chair, enjoy some live music, and spend an evening in one of the best spots in town.

📍 Plaza de la Constitución
🕕 6:00–8:00 PM
📅 Thursday, June 4

Will you be there?
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