Hendrickson Insurance
Plain-spoken insight on Florida insurance — homeowners, auto, flood, condo, and commercial property — plus the operational realities of owning Gulf Coast real estate. Written by Dennis Hendrickson from experience, not theory, for property owners across Sarasota, Bradenton, Venice, Lakewood Ranch, Tampa, St. Petersburg, and Clearwater.
A triple-net lease shifts the insurance cost to your tenants, not the risk. What to require, which three endorsements protect the landlord, and why the certificate is not the coverage.
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The named-storm deductible is the number that actually hurts when a hurricane hits your retail plaza. It is not a flat dollar figure, it is a percentage of your building value, and most owners do not learn how big it is until they file. Here is how it works and how to plan for it.
Yann LeCun left Meta and raised a billion dollars to replace the technology behind ChatGPT with world models that understand physics. Why a Gulf Coast agent should watch how risk gets priced.
Cyber insurance is cheaper and more competitive than the breach headlines suggest — but AI is being quietly unbundled from your commercial policies at renewal. The new ISO carve-outs (CG 40 47, CG 40 48, CG 35 08) and what to ask before signing.
Your HR team has almost certainly already let an algorithm do the hiring — and you may be sitting on a discrimination claim you don't even know about. A look at EPLI, the new 2026 AI exclusions, Mobley v. Workday, ghost jobs, and what to ask your broker.
Private equity is buying up Florida insurance agencies at a record pace. What the buyout wave means for your homeowners, auto, flood, and commercial property coverage — and how to tell if your own agency is next.
A strip center is an ecosystem. From Halloween scarecrow contests to sidewalk sales, here's how intentional community marketing drives foot traffic, improves tenant retention, and shapes your insurance exposure.
A missed certification can mean fines, water shutoff, and disrupted tenants. What Florida strip center owners need to know about backflow preventers, fire sprinkler inspections, and utility compliance.