Hendrickson Insurance
Hendrickson Insurance
Florida boat, watercraft, and yacht insurance from Hendrickson Insurance in Sarasota. From bay boats and fishing skiffs to center consoles, sport cruisers, and yachts. Coverage through Progressive Marine and specialty marine carriers. Serving Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch.
Coverage for damage to the boat itself. Agreed value for higher-value boats. ACV for smaller. Hurricane, theft, collision, grounding, and sinking all covered with appropriate forms.
Bodily injury or property damage caused to others by the boat or its operation. Standard limits $300K to $1M, higher available. Critical for any Florida boater.
Florida boats face significant hurricane exposure. Coverage with proper haul-out endorsements, named storm provisions, and storm preparation coverage matters.
Coverage if another boater hits you and has no insurance or insufficient limits. Common in Florida given the state does not require boat insurance.
If your boat sinks or spills fuel, removal and environmental cleanup costs can run into six figures. Coverage closes that gap.
Medical expenses for you, your guests, and crew regardless of fault. Important for any boat carrying passengers.
Expanded content covering Florida hurricane haul-out plans, yacht-specific policies (over 26 feet), boat in transit coverage, charter use disclosures, and specialty markets for high-value vessels is coming. In the meantime, call 941-952-7991 for a quote.
Most personal umbrellas extend to scheduled watercraft. Coordinate carefully.
02 / Related CoverageRecreational vehicle category; we write the full set.
03 / Related CoverageRecreational vehicle category; we write the full set.
04 / Related CoverageSome small watercraft are covered under homeowners; larger boats need dedicated marine.
Florida does not legally require boat insurance for most recreational boats. However, marina contracts, marina slip agreements, and boat loans almost always require liability coverage at a minimum, and lenders typically require physical damage coverage. For any boat in saltwater Florida, insurance is strongly recommended given hurricane, theft, and liability exposure.
Standard Florida boat insurance covers hull (physical damage to the vessel), liability (injury to others or damage to their property), medical payments, uninsured boater coverage, fuel spill liability, wreckage removal, and towing. Hurricane haul-out coverage and named storm coverage are critical for Florida boats.
Call 941-952-7991 or schedule a 30-minute call. Have your boat make, model, year, length, HIN (hull ID), engine details, where you keep the boat, and how you use it ready.
Call 941-952-7991 or schedule a call. Have your HIN, length, engine details, and storage location ready.
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.
Read the story → Start a quote →