Hendrickson Insurance
Hendrickson Insurance
Commercial general liability (CGL) covers your Florida business against third-party bodily injury, property damage, products liability, and personal/advertising injury claims. Hendrickson Insurance writes CGL for retail, professional services, restaurants, contractors, manufacturers, and other Florida commercial classes across Sarasota, Bradenton, Tampa, and the Gulf Coast. If you own the building your business operates in, liability is only half the program: the structure, loss of rents and ordinance or law belong on commercial building insurance in Florida, and we write both sides together.
Slip-and-fall, parking lot injuries, common area exposures. The "someone got hurt on my property" coverage every business needs.
Coverage for bodily injury or property damage caused by your product after it leaves your possession. Critical for manufacturers, distributors, and retailers.
Coverage for damage from your completed work after the job is done. Critical for contractors. Often excluded or sub-limited if not specifically endorsed.
Libel, slander, false arrest, copyright infringement in advertising. The "we got sued over what we said" coverage.
Retail, professional offices, salons, and similar lower-risk classes typically fit into a BOP. Combining CGL and property in one package. See our BOP page.
Florida contractor CGL with completed operations endorsements, subcontractor coverage, and exclusion management. Specific class codes matter.
Restaurants with liquor liability, auto repair, manufacturing, and other higher-risk classes often need monoline CGL through specialty admitted or E&S markets.
CGL covers third-party bodily injury, property damage, products liability, completed operations, personal injury (libel/slander), and advertising injury. It pays defense costs and judgments up to the policy limit. Standard limits are $1M per occurrence / $2M aggregate.
Many small Florida businesses can use a Business Owners Policy (BOP), which packages property + CGL together. Larger or higher-risk businesses typically need a monoline CGL plus separate commercial property. We help you determine the right structure based on your business size, class, and exposures.
Call 941-952-7991. Have your business name, class of operation, annual revenue, payroll, and employee count ready.
Sits directly above commercial GL. The two pair on most commercial accounts.
02 / Related CoverageSeparate policy for business-use vehicles.
03 / Related CoverageRequired for Florida employers; not included in GL.
04 / Related CoverageBOP packages GL with commercial property for qualifying small businesses.
Call 941-952-7991 or schedule 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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