Hendrickson Insurance
Hendrickson Insurance
Hendrickson Insurance is an independent insurance agent serving Bradenton, Florida and Manatee County, writing both personal and commercial coverage across the Gulf Coast. We handle Bradenton homeowners, flood, auto, boat, and golf cart insurance, plus commercial property, strip center, general liability, and workers compensation for local businesses. Bradenton is a coastal river town: Anna Maria Island wind and VE flood zones, Manatee River and Braden River rainfall flooding, and a run of retail plazas along Cortez Road and Manatee Avenue. We know those exposures. Call 941-952-7991 and we will shop the full Florida market for you.
Roof age, wind mitigation, and Manatee River proximity drive every Bradenton home quote. We shop 30-plus admitted carriers plus surplus lines to place yours.
FloodAll of Manatee County is a flood zone. Anna Maria Island, Cortez, and the Braden River all flood. We write Wright Flood and NFIP for primary coverage.
AutoFlorida is a no-fault state with its own PIP rules. We write auto through Progressive and others and bundle it with your Bradenton home to cut cost.
Condo / RentersAnna Maria Island rentals and downtown riverfront condos need HO-6 walls-in coverage that matches the association master policy. We read the master policy first.
Boat / WatercraftThe Manatee River, Palma Sola Bay, and the historic Cortez fishing village mean real marine exposure. We write hull, liability, and named storm haul-out coverage.
Golf CartLakewood Ranch and the gated communities toward Parrish run on golf carts. Your homeowners policy will not follow the cart off your lot. We write dedicated cart coverage.
UmbrellaA personal umbrella stacks liability over your home, auto, and boat. Worth it for Anna Maria Island owners and anyone with assets to protect.
MotorcycleYear-round riding weather on the Gulf Coast. We write bike coverage with the liability and physical damage limits Florida roads call for.
RV / MotorhomeFrom Class A motorhomes to travel trailers, we write RV coverage for Bradenton and Palmetto owners on the road and in storage during storm season.
Retail plaza coverage is what we do best. Dennis managed shopping centers before writing insurance, so we handle Bradenton strip centers from the owner's side: building, business income, liability, tenant COI tracking, and named storm exposure along Cortez Road and Manatee Avenue.
Commercial PropertyOffice, retail, and mixed-use buildings across Bradenton and the downtown riverfront district. We handle coastal wind, roof age, and the surplus lines market.
Commercial FloodRiverfront retail and inland rainfall flooding both hit Bradenton businesses. We pair NFIP commercial with excess flood where limits require it.
General LiabilitySlip-and-fall, tenant, and operations exposure for Bradenton shops, contractors, and service businesses. We write the GL limits your leases and clients require.
Workers CompFlorida requires workers comp for most employers, with the tightest rules on construction. We place Manatee County comp and keep your class codes honest.
BOPA BOP bundles property and liability for Bradenton small businesses at a better rate than buying each line alone. We check whether one fits before quoting monoline.
HOA / HabitationalCondo associations and 55-plus communities across Bradenton, Anna Maria Island, and Lakewood Ranch. We write master property, liability, and D&O for boards.
Bradenton is several markets in one county. A home in west Bradenton 34209 near Palma Sola Bay prices differently than downtown 34205, and both differ from newer construction out toward Lakewood Ranch and Parrish in 34211 and 34212. Bayshore Gardens in 34207 and the Braden River side in 34208 each have their own flood picture. Carriers read those ZIP codes, the distance to open water, and the year the roof went on before they quote a dollar.
The barrier island carries the heaviest exposure. Anna Maria Island, Holmes Beach, and Bradenton Beach sit in VE and AE flood zones with the highest wind rating in Manatee County. Homes and rental condos there need a real flood limit, not just a wind policy, and many land in the surplus lines market. The historic Cortez fishing village is low and floods early. On the mainland the problem is different: the Manatee River and Braden River back up, and neighborhoods well inland flood from rainfall. All of Manatee County is a flood zone, hazardous or non-hazardous, and treating any address as flood-proof is how owners get caught.
For flood we lead with NFIP and Wright Flood. It is taxpayer-backed and does not non-renew you after a claim, which is exactly what private flood carriers do once a coastal home files. We keep private flood in its lane: excess limits above the NFIP cap, not primary coverage.
On the commercial side, Bradenton runs on retail and the trades. The plazas along Cortez Road, Manatee Avenue, and 14th Street West, plus the reviving downtown riverfront and the Village of the Arts, are exactly the property type we know best. Manatee County also has a heavy construction and service economy, which is why workers compensation comes up constantly. Florida requires it for most employers and the construction trade rules are the strictest in the state. We place that coverage and keep the class codes honest so the audit does not bite later.
Whether you own a home on the island, a business on Cortez Road, or a plaza full of tenants, the move is the same. We shop the whole Florida market, admitted and surplus, and tell you straight what actually fits. Call 941-952-7991.
Yes, you should consider it. All of Manatee County is a flood zone, and Bradenton floods from the Manatee River, the Braden River, and heavy rain well inland of the coast, not just from Gulf surge. West Bradenton near Palma Sola Bay and low areas off Cortez Road are exposed. For primary coverage we write Wright Flood and NFIP, which is taxpayer-backed and does not non-renew you after a claim. Private flood we reserve for excess limits.
Anna Maria Island, Holmes Beach, and Bradenton Beach sit in VE and AE flood zones with the highest wind exposure in Manatee County, so premiums run well above mainland Bradenton and many homes land in the surplus lines market. Cost turns on roof age, elevation, and wind mitigation. We shop across 30-plus admitted carriers plus surplus lines and pair the home with the right NFIP or excess flood limit. Call 941-952-7991 with the address.
Yes, retail plaza coverage is our specialty. Dennis Hendrickson's background is shopping center management, so we handle the owner's side of retail property along Cortez Road, Manatee Avenue, and 14th Street West: building coverage, business income, general liability, tenant COI tracking, lease requirements, and named storm exposure. See our strip centers page or call 941-952-7991.
Yes. Florida requires workers comp for most employers and the construction trade rules are the strictest in the state, generally requiring coverage at one employee. We place Manatee County contractor and trade comp, keep your class codes accurate, and coordinate the certificates your general contractors and clients require.
Yes. Golf carts and low-speed vehicles are common in Lakewood Ranch and the gated communities around Bradenton and Parrish, and a homeowners policy usually will not cover them off your own property. We write dedicated golf cart coverage for liability and physical damage. Call 941-952-7991 or see our golf cart page.
Often, yes. As the private Florida market has stabilized, more admitted carriers are writing Bradenton and Manatee County homes again, and by law you must leave Citizens if an admitted carrier offers comparable coverage within 20 percent of the Citizens premium. Send us your current Citizens declarations page and we will shop the full market to find that offer where one exists.
Or call 941-952-7991 directly. We can quote anything in personal lines or commercial.