Hendrickson Insurance
Hendrickson Insurance
An owner with a plaza in Florida and centers in Iowa, Wisconsin, North Carolina or anywhere else does not need a different agent in each state. The schedule can be written as one program: one property schedule with every building, address and value on it, one general liability policy, one umbrella over the lot, one renewal date and one set of loss runs. Hendrickson Insurance in Sarasota writes it from the Florida end, which is the hard end, because Florida wind and flood are what most multi-state programs get wrong. Dennis Hendrickson managed shopping centers before he sold insurance. The plaza-level detail is in strip mall and shopping center insurance in Florida.
How it works. Every building goes on one statement of values: address, construction, year built, roof year, square footage, occupancy, rent roll and insured value. The property policy is written on the schedule, often with a blanket limit across locations, with the Florida locations carrying a named storm deductible as a percentage of their value and the inland locations carrying wind and hail terms of their own. General liability is one policy with every location listed; the umbrella sits over it. Loss runs come from every prior carrier for five years. The application is here.
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Two questions tell us whether we are the right fit. If we are, Dennis Hendrickson reads your application himself.
Get a portfolio quote →Send it through the commercial application or email the declarations to dennis@hendricksonins.com, 60 to 90 days before the first renewal. Dennis reads every submission himself and responds the same business day in most cases.
Yes. The buildings go on one property schedule with one general liability policy and one umbrella over it, written from the Florida end by an agent who has managed shopping centers.
Because Florida is the location most programs get wrong. The named storm deductible, the flood placement and the Citizens and surplus lines rules are specific to Florida, and an agent who prices Gulf Coast and Atlantic wind every day keeps the Florida building on the program instead of splitting it off.
A blanket limit across locations lets a loss at one center draw on the total; most carriers price it with a margin clause or an agreed-value condition. Whether it beats scheduled limits depends on the spread of values and the carrier; the proposal shows both when both are available.
If it writes the inland centers well, it can keep them, and the Florida building goes on its own policy with the same renewal date. More often the whole schedule is quoted together, and the owner sees one number against the sum of the parts.
With a complete statement of values, rent rolls and loss runs, indications in a week and bindable terms inside three. Start 60 to 90 days before the first renewal.
Apply online or call 941-957-2796. Have your statement of values, rent rolls, dec pages and loss runs 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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