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.
If you own multiple homes, cars, boats, jewelry, art, or a business on the Gulf Coast, a standard policy leaves you exposed. How high-net-worth families actually insure: HO5, one consolidated program, Chubb and PURE-style carriers, scheduled valuables, high-limit umbrella, kidnap and ransom, and more.
How much umbrella insurance you actually need in Florida, in plain English. What an umbrella sits on top of, when a Gulf Coast household or business needs one, how to size it to your net worth, and the underlying-limits trap that leaves people exposed.
Where your Gulf Coast Florida business insurance ends and your personal insurance begins, claims fall through the seam. The common coverage gaps in Sarasota, Bradenton, Tampa, and St. Petersburg, and how one independent agent for both lines closes them.
A Florida restaurant or bar needs more than general liability. Liquor liability, property, and workers comp are the coverages Gulf Coast owners miss most.
Your Florida homeowners or renters policy may cover a storage unit, but only to a limit. What is actually covered, what is excluded, and how to close the gap.
What surety bonds Florida Gulf Coast contractors actually need, license, bid, performance, and payment, how bonding and Florida Statute 255.05 work, and how a Sarasota insurance agency helps you build bonding capacity.
Florida is a no-fault state, so PIP and property damage are required but not enough. What Sarasota and Gulf Coast drivers actually need from auto insurance.
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.
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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