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.
What drives your Florida homeowners insurance premium: roof age, wind mitigation credits, hurricane deductibles, and why shopping Sarasota carriers pays off.
Private equity and big brokers are buying Gulf Coast Florida insurance agencies and splitting your business and personal coverage across departments. Why one independent Sarasota agent for both lines protects you.
What drives strip mall insurance prices in Florida, from wind and flood zone to roof age and tenant mix, and how Sarasota plaza owners lower the premium.
Underinsure a Florida retail plaza and the coinsurance clause cuts your claim payout. How the penalty formula works and how Gulf Coast plaza owners avoid it.
A tenant's certificate of insurance only protects a Florida retail plaza if it is current and correct. How to track COIs and what to verify before a claim.
Triple-net leases push insurance onto the tenant, but the landlord keeps the risk if a certificate lapses. What tenants must carry and owners must verify.
Named-storm deductibles are the real cost of a Florida strip mall hurricane claim. How the percentage is calculated, who pays it, and how to plan for it.
Yann LeCun left Meta and raised over $1 billion to replace large language models with 'world models' that understand physics and cause-and-effect. A Sarasota insurance agent on why that shift matters for risk, underwriting, catastrophe modeling, and the coming wave of robotics and autonomous-vehicle liability on Florida's Gulf Coast.
Florida business owners using AI in hiring face a rapidly closing coverage gap. An independent Sarasota insurance agent explains Employment Practices Liability Insurance, new AI exclusions on commercial policies, ghost-job exposure, and what to audit before your next renewal.
Cyber insurance is cheaper and more competitive than headlines suggest, but a quiet AI carve-out is being added to commercial policies at renewal. A Sarasota independent agent on the new ISO endorsements (CG 40 47, CG 40 48, CG 35 08), where AI coverage still exists, and what every Florida business owner should audit before signing.
Dennis Hendrickson changed a New Jersey state tennis rule at 17 and played four years of Division I tennis at UNC Charlotte. Today he writes both the commercial and the personal insurance for Gulf Coast owners himself, and he works a renewal or a claim the way he played: nothing conceded, no point given away.
When you apply, he answers. Every application goes straight to Dennis. He reads it himself and responds the same business day in most cases, always within 48 hours.
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