Hendrickson Insurance
Hendrickson Insurance
Florida motorcycle insurance from Hendrickson Insurance. We write motorcycle coverage through Progressive (our appointed carrier and the largest motorcycle insurer in the country) plus additional specialty markets. Sport bikes, cruisers, touring, off-road, custom builds, and Harley Davidsons. Serving Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch.
Bodily injury and property damage you cause to others. Standard limits 25/50/25 minimum, but most riders carry far more given motorcycle accident severity.
Theft, vandalism, weather damage (comp), and crash damage (collision). Required by lenders for financed bikes. ACV or stated amount.
Coverage if you are hit by an uninsured or underinsured driver. Especially important in Florida where many drivers carry only minimum coverage.
CPE coverage for aftermarket parts: exhaust, paint, chrome, bags, seats, electronics. Standard policies often have very low CPE limits ($1,000 to $3,000), which is rarely enough for a customized bike.
Medical expenses for you and your passenger regardless of fault. PIP does not apply to motorcycles in Florida.
Towing, flat tire service, jump starts, and trip interruption coverage when you break down far from home.
Florida does not require bodily injury liability on a motorcycle the way it effectively does on a car, which is exactly why so many riders here are underinsured. If you injure someone, your personal assets are exposed without liability coverage. Beyond that, physical damage protects the bike itself, and uninsured or underinsured motorist coverage matters a great deal in a state with a lot of uninsured drivers. We build the policy around how and where you ride.
Cruiser, sport, touring, or trike, and whether you ride daily or on weekends, changes what the right policy looks like. We write motorcycle coverage for riders across Sarasota, Bradenton, Tampa, and the Gulf Coast, and we will make sure the liability limits actually protect you.
Call 941-952-7991 with the year, make, and model.
Different policy entirely; auto does not cover motorcycles.
02 / Related CoverageFlorida motorcycle accident verdicts can be severe; umbrella protects assets above the underlying.
03 / Related CoverageRecreational vehicle category.
04 / Related CoverageRecreational vehicle category.
Florida does not require liability insurance for motorcycle owners (unlike most states), but Florida law requires medical and property damage coverage if you are at fault in a serious accident. Most riders carry liability anyway, since serious motorcycle accidents can produce judgments well above what most riders can absorb personally. Lenders require comp and collision on financed bikes.
Standard motorcycle coverage includes liability, comprehensive (theft, vandalism, weather), collision (crash damage), uninsured motorist, medical payments, custom parts and equipment (CPE) coverage, and roadside assistance. Custom and Harley Davidson policies often include OEM parts requirements.
Call 941-952-7991 or schedule online. Have your VIN, bike make, model, year, license number, and riding history ready. Most quotes turn around same day.
Call 941-952-7991 or schedule online. Have your VIN and riding history 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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