Hendrickson Insurance
Hendrickson Insurance
A Business Owners Policy (BOP) combines commercial property coverage and general liability into a single, cost-effective policy designed for Florida small and mid-sized businesses. Hendrickson Insurance writes BOPs for retail, professional services, restaurants, contractors, and offices across Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch.
Building, contents, equipment, and inventory protection for your business location. Replacement cost coverage on a named-peril or special-form basis depending on the policy structure.
Third-party bodily injury, property damage, and products liability coverage. Includes defense costs. Typically $1M/$2M limits standard, higher available.
Lost income coverage if your Florida business has to close due to a covered loss. Usually 12 months of income replacement plus extra expense coverage to keep operations going.
Expanded content covering BOP eligibility classes, monoline vs package decisions, additional endorsements (cyber, employment practices, equipment breakdown), and Florida-specific BOP underwriting considerations is coming. In the meantime, call 941-952-7991 for a quote.
Standalone commercial property for businesses that do not qualify for or outgrow a BOP.
02 / Related CoverageBOP includes GL as part of the package; this is the standalone equivalent.
03 / Related CoverageWorkers comp is required for most Florida employers and is not included in a BOP.
04 / Related CoverageExcess liability layered above BOP for businesses with meaningful assets.
A BOP is a packaged insurance policy that combines commercial property coverage and general liability coverage into a single policy for small businesses. It's typically less expensive than buying property and liability separately. Most BOPs also include business interruption coverage.
BOPs are typically designed for small to mid-sized Florida businesses: retail stores, professional services, restaurants, contractors, offices, and similar. Businesses with under $10M in revenue and fewer than 100 employees are usually a fit. Heavier-risk operations (manufacturing, certain contractors) typically need a Commercial Package Policy (CPP) instead.
Call 941-952-7991 with your business name, industry, annual revenue, employee count, and property details. We'll have a BOP quote ready within 1-2 business days.
Call 941-952-7991 or schedule a 30-minute call online.
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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