Bates Hewett & Floyd

Providing Peace of Mind

We are a Full-Service Insurance & Risk Management Agency.

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Personal & Business Insurance

It’s good to have options! Call us at (386) 328-1100

Serving residents and businesses throughout North Florida and Georgia

and throughout the Southeast United States

Clients

Convenient Locations

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Personal Insurance

It’s good to have options! Learn more >

Health Insurance

Take care of those closest to you. Learn more >

Business Insurance

Protect your business and your employees. Learn more >

Financial Services

Attuned to your unique financial goals and tailored to encompass all of the existing variables in your financial life. Learn more >

Not Your Average Local Agency

Bates Hewett & Floyd is not your average local agency. Our approach to insurance and risk, our longevity in our community and the way we treat our clients sets us apart.

We are a full-service insurance agency working with individuals and businesses.

We are led by 2 generations proudly serving Palatka, Putnam County, St Johns County and throughout the Southeast United States for over 40 years!

Offices in Palatka and St. Augustine

Storm-Proof Your Future: A Holistic Plan for Year-Round Resilience in Florida

August in Florida is more than summer fun — it’s your chance to build lasting protection. Discover how financial planning, employee benefits, and specialty coverage form a resilient foundation with Bates Hewett & Floyd.

4 Questions Your Home Insurance Must Answer Before Storms Hit

Discover 4 essential insurance questions Florida homeowners must answer before storm season—from flood exclusions to living‑expense coverage.

5 Hurricane Season Insurance Mistakes to Avoid

Stocking up on supplies isn’t enough—true hurricane prep means making sure your insurance is storm-ready. From overlooked flood coverage to outdated policy limits, this guide outlines five common insurance mistakes that could leave you vulnerable during hurricane season. Take these simple, proactive steps now to protect your home, your business, and your peace of mind.