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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.

This is the team behind many of the conversations This is the team behind many of the conversations happening with local business owners every day.

From reviewing coverage to helping navigate questions and changes, our commercial team is here to make sure protection stays aligned with how your business actually operates.

Proud to serve businesses across St. Augustine and Palatka.
Most business insurance policies renew automatical Most business insurance policies renew automatically every year.
But your business doesn’t stay the same.

New employees get hired. Equipment gets purchased. Services expand. Contracts change.

Over time, it’s easy for your insurance coverage to slowly fall out of sync with how your business actually operates.

A few things worth checking:

• Workers compensation classifications
• Payroll estimates
• General liability limits
• Policy exclusions
• Cyber liability exposure
• Equipment used off-site
• Updated property values
• Contract insurance requirements
• Deductible levels
• New services or business activities

Small updates now can help prevent larger coverage gaps later. Don't wait until it's too late.
“Full coverage” is one of the most common phra “Full coverage” is one of the most common phrases we hear — and one of the most misunderstood. 

In reality, it’s not a policy term. It’s a shorthand that can mean different things depending on limits, deductibles, and optional protections, like uninsured motorist coverage.

The details matter, especially in Florida, or minimum requirements don’t always reflect real world risk.

As a local, independent agency, serving Saint Augustine, and Palatka, our role is simple: help you understand what you have, how it works, and whether it truly fits your life.

If you’ve never reviewed your declarations page closely, it might be worth a second look.
As businesses move through the first quarter of th As businesses move through the first quarter of the year, it’s often a good time to pause and review a few key details that keep operations running smoothly.

Over time, small changes add up — new equipment, additional employees, updated contracts, or expanded services. Those changes can quietly affect how your insurance coverage responds if something goes wrong.

Each spring, we help many of the business owners we work with take a closer look at a few important areas: liability limits, property values, vehicle use, and operational changes that may have occurred over the past year.

These reviews aren’t complicated, but they can make a meaningful difference when coverage is tested.

It’s simply a smart way to make sure your protection still reflects the business you’re running today.
Most drivers never look closely at their declarati Most drivers never look closely at their declarations page — and especially not at their liability limits.

In Florida, bodily injury liability coverage isn’t required under basic minimum laws. That alone surprises many people.

The real question isn’t “Am I legal?”
It’s “Would these limits realistically protect my savings, income, and future if something serious happened?”

As an independent agency serving St. Augustine and Palatka, we believe clarity matters.

Beyond the minimum isn’t about selling more coverage.
It’s about making sure what you carry actually holds up.
We’re honored to share that our team has receive We’re honored to share that our team has received an Excellence Award from Colonial Life.

Awards are meaningful, but what matters most to us is what they represent: trust, consistency, and showing up for our clients the right way, every time.

To our clients in St. Augustine, Palatka, and the surrounding communities — thank you. Your confidence in us is the reason we get to do what we do.

And to our team — this is a reflection of your integrity, professionalism, and heart. We’re proud of you.
Today we honor leaders who guide our nation and ev Today we honor leaders who guide our nation and every day we work to help protect your family and business. Happy Presidents Day from the team at Bates Hewett & Floyd!
We regularly talk with drivers who assume the othe We regularly talk with drivers who assume the other person’s insurance will take care of everything after an accident.

In Florida, that isn’t always the case. Many drivers carry very limited coverage — or none at all for bodily injury.

Uninsured and underinsured motorist coverage helps protect you and your family if the other driver’s policy falls short. It’s one of the most important conversations we have with clients — not to create fear, but to create clarity.

Beyond the minimum is where real protection begins.
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