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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.

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?
Hurricane season officially begins this month, and Hurricane season officially begins this month, and while most conversations focus on policies and coverage, there's another part of preparedness that's easy to overlook: the people behind it.

Whether it's answering questions, helping clients find information, coordinating with carriers, or keeping things moving behind the scenes, our team plays an important role in helping clients navigate the details before they're needed.

As we begin a month focused on business preparedness, continuity, and planning, we're reminded that recovery and resilience aren't built on policies alone — they're built on people, communication, and preparation.

We're grateful for team members like these who help make that possible every day.
Roof conversations have become much more common in Roof conversations have become much more common in Florida insurance over the last few years — especially heading into hurricane season.

Many homeowners are surprised to learn how much roof age and condition can impact not just pricing, but eligibility, renewal terms, and available coverage options.

It’s one of the clearest examples of how coverage and protection aren’t always the same thing.

These are the kinds of details worth reviewing before storm season begins — while there’s still time to make informed decisions instead of rushed ones.
Most homeowners have coverage in place, but that d Most homeowners have coverage in place, but that doesn’t always mean they’re fully protected in the way they expect.

The differences usually come down to details:
• How deductibles are structured
• What’s actually covered during a loss
• How policies respond in real scenarios

These are the kinds of things that don’t always stand out until they matter.

It’s one of the reasons we spend time each year walking through these details with clients before hurricane season begins, when there’s still time to make adjustments if needed.
Join us in congratulating Richard on his retiremen Join us in congratulating Richard on his retirement!

He’s been an important part of our team and our community, someone who showed up for clients, coworkers, and the people around him every single day.

We’re thankful for the role he’s played here at Bates Hewett & Floyd and wish him a retirement filled with everything he enjoys most.
Flood insurance has changed, and in many cases, po Flood insurance has changed, and in many cases, policies written a few years ago don’t reflect how risk is being evaluated today.

When we review coverage with homeowners, these are often the areas where the most questions come up. Not because something is wrong, but because the details matter more now than they used to.

Understanding how your property is being evaluated, what’s actually covered, and what’s driving your premium can make a meaningful difference when it comes to both cost and protection.

It’s a simple step, but one that helps ensure your coverage lines up with today’s reality, not outdated assumptions.
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