Hendrickson Insurance
We don't place policies on everything. Hendrickson Insurance focuses exclusively on strip malls and retail plazas across Florida — understanding leases, CAM reconciliations, tenant risk, and how coverage directly affects cap rates and asset value.
"We understand leases, CAM reconciliations, and how your insurance directly affects your cap rate."
Hendrickson Insurance was built specifically for strip mall and retail plaza owners. Unlike generalist brokers who place commercial real estate alongside restaurants and auto shops, we focus exclusively on multi-tenant retail properties. We work aggressively in both standard and E&S markets to find solutions others miss, especially for coastal and complex Florida risks. If it's a strip center, we know it inside and out.
Every coverage type we offer is structured around the specific risks of multi-tenant retail properties in Florida — wind exposure, tenant liability, lease structure, and the E&S market realities of coastal ownership. We don't use a generalist playbook.
Building coverage structured to your actual replacement cost. We make sure your statement of values is accurate so you are not underinsured when it matters most.
Slip-and-fall, premises liability, tenant disputes. As a strip center owner your exposure is broad. We size limits appropriately and review how your leases assign risk.
Florida wind coverage is its own market. We navigate standard carriers, Citizens, and private wind markets for the best combination of price and coverage for your location.
NFIP limits are often inadequate for commercial retail. We evaluate private flood markets alongside federal programs to cover your building value and loss of rents properly.
When a covered loss puts tenants out, your rental income stops. Business interruption and loss of rents coverage keeps your debt service covered during repairs.
Older buildings, coastal exposure, high vacancy, difficult tenants. When standard markets say no, we access wholesale and surplus lines carriers who understand Florida retail risk.