Hendrickson Insurance
Hendrickson Insurance
Group health insurance for Florida small and mid-sized businesses. Fully insured plans, level-funded plans, and dental/vision/life ancillary coverage. Hendrickson Insurance works with multiple Florida group health carriers to structure benefits programs across Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch.
Traditional small group health insurance. Fixed monthly premium, carrier handles all claims. Most predictable budget structure. The default for groups under 50 employees in Florida.
Partially self-funded structure with stop-loss insurance. Can be 10-25% lower premium for healthier groups, with potential refund of unused claims funds. More variability than fully insured.
Dental, vision, life, disability, and voluntary benefits to round out the benefits package. Often more flexible eligibility than medical.
Most brokers re-issue your current carrier’s renewal and call it a day. We shop your group across the Florida market every year. Alternative carriers, alternative plan designs, alternative funding structures. The 15%+ rate increases that have become standard in Florida group health deserve more than rubber-stamp renewal.
The ACA Employer Mandate applies to businesses with 50+ full-time equivalents , those Applicable Large Employers must offer affordable health coverage or pay penalties. Smaller Florida businesses are not required to offer coverage but often do for talent retention. We work with both sides , required ALE programs and voluntary small group benefits.
Fully insured plans pay a fixed monthly premium to the carrier, which handles all claims. Level-funded plans (sometimes called self-funded or partially self-funded) involve a stop-loss policy plus a claims-paying account , premiums can be lower for healthier groups but with more variability. We help determine which structure fits a Florida group's situation.
Call 941-957-2796. Have your employee census ready , names, ages, dependents, ZIP codes. Renewal date and current plan summary if you have existing coverage.
Call 941-957-2796 or schedule online. Have your census and renewal date ready.
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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