One agent for your business
and your household.
Most Gulf Coast business owners carry two insurance relationships without meaning to: one agent for the company, another for the house. Hendrickson Insurance is built the other way. From Sarasota, we write and service both your commercial lines and your personal lines under one roof, so a single agent knows your whole picture. Florida homeowners, auto, and flood on the personal side. Property, general liability, workers comp, and commercial auto on the business side. One person who answers the phone, one renewal conversation, one set of hands on every policy you own across Sarasota, Bradenton, Tampa, and the wider Gulf Coast.
The big agencies split you in two.
Private-equity buyers have spent the last decade rolling up local Florida agencies. Almost universally, the agencies they build run separate commercial and personal departments, with separate agents and separate systems. So the company that insures your strip center is technically the same firm that insures your house, but the two sides never talk, and no single person owns your whole picture.
Your commercial account routes to one team and your personal account to another. Your business and your home live in separate systems that were never designed to see each other.
When a gap opens between your business umbrella and your personal umbrella, no single person is watching for it. Each department quietly assumes the other has it handled.
A different account manager every renewal cycle. You re-explain your business, your rental units, your boat, and your risk tolerance from scratch, every single time.
You built one life. It should not take five people who have never met to insure it.
One agent who writes and services both.
Hendrickson Insurance is a full-service Gulf Coast agency covering both commercial and personal lines. The same agent who structures your business coverage also structures your household coverage, so everything is coordinated instead of stitched together after the fact.
One agent, one phone number, one file that holds your business and your household. When you call, you talk to someone who already knows both sides.
Where it makes sense, we bundle. More important, we make sure your commercial and personal limits line up, so nothing overlaps and nothing leaves a hole.
Because one person sees everything, the space between your business auto and your personal auto, or your commercial and personal umbrellas, actually gets reviewed.
Dennis Hendrickson managed shopping centers before running this agency. He talks to business owners as a peer who has signed the leases and paid the premiums, not as a vendor reading a script.
Your household, handled.
The personal side of your file. Everything you own and drive and float, written and serviced by the same agent who handles your business.
All of Florida is a flood zone. We write NFIP-backed flood that will not non-renew after a claim.
Coverage for what the building policy leaves to you, including your contents and liability.
Your business, handled.
The commercial side of your file. From a single storefront to a full strip center, written by an agent who understands the operating side of the business, not just the policy.
Buildings, tenant improvements, and contents, valued for Florida wind and replacement reality.
Third-party injury and property damage, the coverage every business needs to sign a lease.
Florida workers compensation, structured to your class codes and payroll, not guessed at.
Retail plaza and multi-tenant coverage from an agent with a shopping-center background.
Three steps, one agent.
We start with everything at once: the business, the building, the house, the cars, the boat. One intake, not two separate onboardings months apart.
We build the commercial and personal sides together, so limits line up, umbrellas coordinate, and nothing overlaps or leaves a gap.
A claim, a renewal, a new vehicle, a new location. You call one person who already knows your whole file and picks up where you left off.
Answered plainly.
Can one agent handle both my business and personal insurance?
Yes. That is the whole point of how we work. From Sarasota, Hendrickson Insurance writes and services your commercial lines and your personal lines together: your business property, general liability, workers comp, and commercial auto alongside your home, auto, umbrella, flood, and boat. One agent, one file, one phone number for everything you own.
Why do big agencies split personal and commercial into separate departments?
Most large and private-equity-owned agencies are built around volume, so they route commercial accounts to one team and personal accounts to another. It is efficient for them, but it means no single person sees your whole picture, and gaps between your business and personal coverage can go unnoticed for years.
What do I gain from having one agent for everything?
Coordination and accountability. When the same agent structures your commercial umbrella and your personal umbrella, the limits line up and nothing falls through the cracks. You stop repeating your story every renewal, you bundle where it makes sense, and when something happens you call one person who already knows your business and your household.
Do you cover both business and personal insurance in Sarasota and the Gulf Coast?
Yes. We are based in Sarasota and serve the entire Gulf Coast, including Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch. We write commercial and personal Florida insurance across all of these markets under one relationship.
Call 941-952-7991 or get a quote online.