Hendrickson Insurance
Hendrickson Insurance
Cyber liability insurance for Florida businesses. Coverage for ransomware attacks, data breaches, business email compromise, social engineering fraud, business interruption from cyber events, and regulatory response. Ransomware in Florida is no longer rare. Hendrickson Insurance writes cyber liability for businesses across Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch.
Ransom payment and negotiation, forensics, business interruption while systems are down, and data restoration. Florida ransomware demands often run $50K to $2M+.
Breach coach (specialized attorney), forensic investigation, customer notification, credit monitoring, public relations. The first 72 hours after a breach are critical and expensive.
Coverage for wire transfer fraud, vendor invoice fraud, and CEO spoofing attacks. Typically a sublimit ($100K to $500K) rather than full policy limit.
Lost income coverage if a cyber event takes your business offline. Important for any Florida business that depends on technology to operate (most of them).
Coverage for lawsuits and regulatory actions brought by customers whose data was exposed. Includes defense costs, settlements, and PCI fines if you take credit cards.
Coverage for state and federal regulatory inquiries: state attorney general investigations, HIPAA (if healthcare), PCI assessments, and fines where insurable.
If you take payments, store customer data, or run on email and cloud software, yes. This is not only a big-company problem. Small and mid-sized Gulf Coast businesses in Sarasota, Bradenton, and Tampa get targeted precisely because their defenses are thinner. One ransomware hit or a single wire-fraud email can cost six figures in forensics, breach notification, downtime, and recovery. Cyber liability insurance pays for the response and the liability. A general liability policy does not.
Florida cyber underwriters now expect multi-factor authentication on email and remote access, endpoint protection, verified backups, and basic phishing training for staff. Have those in place and you get better pricing and broader terms. If you do not, we can still find a market, and we will tell you which controls to add first.
Call 941-952-7991 and we will walk your exposure and get you a real cyber quote.
AI introduces exposures that traditional cyber policies often do not cover. Both increasingly needed.
02 / Related CoverageTech firms often combine cyber and E&O in a single Tech E&O policy.
03 / Related CoverageSome commercial umbrellas extend over cyber; many do not. Coordination matters.
Cyber liability typically covers: incident response costs (forensics, breach coach, attorneys), ransomware payments and negotiation, business interruption losses from cyber events, data restoration costs, customer notification and credit monitoring after a breach, regulatory fines and penalties (where insurable), third-party liability claims from affected customers, social engineering and business email compromise losses (often a sublimit), and reputational harm coverage. Coverage varies significantly carrier to carrier.
If your Florida business handles customer data, processes credit cards, uses email and online banking, or depends on computer systems to operate, you have cyber exposure. Florida has seen ransomware attacks across every business class: medical practices, retail, professional services, manufacturing, even restaurants. Ransomware demands routinely run $50K to $2M+, and many businesses do not survive without coverage.
Call 941-952-7991. Cyber underwriting requires answering questions about your security posture: multi-factor authentication, backups, employee training, endpoint protection, and incident response planning. The better your security, the better your rate and the higher the limits available.
Call 941-952-7991 or schedule online. Have your security posture details ready (MFA, backups, EDR).
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 →