Hendrickson Insurance
Hendrickson Insurance
Osprey and Nokomis sit between Sarasota and Venice, and the two towns cover a lot of ground: Casey Key barrier island estates on one end, golf course neighborhoods like The Oaks, Rivendell, and Calusa Lakes on the other, plus waterfront streets along Little Sarasota Bay, Blackburn Bay, and Dona Bay in between. That range means no two policies here look alike. A Casey Key Gulf-front home needs different flood and wind coverage than a house off Laurel Road two miles inland. We shop both ends of that market. Call 941-952-7991 and we will shop the full Florida market for you.
Roof age, wind mitigation, and named storm exposure drive every Osprey & Nokomis home quote. We shop 30-plus admitted carriers plus surplus lines to place yours.
FloodAll of Osprey & Nokomis is a flood zone. We write Wright Flood and NFIP for primary coverage and use private flood only for excess limits above the NFIP cap.
AutoFlorida is a no-fault state with its own PIP rules. We write auto through Progressive and other carriers and bundle it with your Osprey & Nokomis home to cut cost.
Condo / RentersFrom bayfront condos near Blackburn Point to villas in Sorrento East and Southbay, we write condo and waterfront policies across Osprey and Nokomis, including HO6 coverage that fills the gaps left by your association master policy.
Boat / WatercraftBlackburn Bay, Dona Bay, and the Intracoastal give Osprey and Nokomis some of the calmest boating water on the Gulf Coast. We write boat and yacht policies for owners at Southbay Yacht & Racquet Club and anyone launching from Nokomis Beach or Blackburn Point.
Golf CartGolf cart communities are part of daily life here, from The Oaks and Rivendell to Calusa Lakes' gated streets around its 28 lakes. We write golf cart liability and physical damage coverage built for how these neighborhoods actually get around.
UmbrellaA personal umbrella stacks liability over your home, auto, and boat. Worth it for Osprey & Nokomis waterfront owners and anyone with assets to protect.
MotorcycleYear-round riding weather on the Gulf Coast. We write bike coverage with the liability and physical damage limits Florida roads call for.
RV / MotorhomeFrom Class A motorhomes to travel trailers, we write RV coverage for Osprey & Nokomis owners on the road and in storage during storm season.
US-41 runs straight through Osprey and Nokomis, and the strip centers and retail plazas along that corridor carry real exposure: tenant liability, wind, and flood from Little Sarasota Bay and Dona Bay. Dennis managed shopping centers before he sold insurance, so he underwrites these properties like an owner, not a vendor. See our strip center coverage.
Commercial PropertyOffice, retail, and mixed-use buildings across Osprey & Nokomis. We handle coastal wind, roof age, and the surplus lines market that most of downtown now requires.
Commercial FloodA retail building or office near Blackburn Bay, Dona Bay, or a US-41 drainage creek carries flood risk even a mile from open water. We write NFIP and excess commercial flood policies for Osprey and Nokomis business owners so a surge or heavy rain event does not sink the business.
General LiabilitySlip-and-fall, tenant, and operations exposure for Osprey & Nokomis shops, contractors, and service businesses. We write the GL limits your leases and clients require.
Workers CompFlorida requires workers comp for most employers, with construction rules tighter than most. We place Osprey & Nokomis comp and keep your class codes honest.
BOPA BOP bundles property and liability for Osprey & Nokomis small businesses at a better rate than buying each line alone. We check whether one fits before quoting monoline.
HOA / HabitationalCondo associations and apartment owners across Osprey & Nokomis and the surrounding area. We write master property, liability, and D&O for boards navigating the Florida market.
Osprey and Nokomis run along US-41 between Sarasota and Venice, and together they cover ZIP codes 34229 and 34275. Osprey is home to Oscar Scherer State Park, Bay Street Park on Little Sarasota Bay, and neighborhoods like The Oaks, Rivendell, and Southbay Yacht & Racquet Club. Nokomis adds Nokomis Beach, Laurel, Sorrento East, Calusa Lakes, and the Casey Key barrier island that both towns share along the Gulf.
Casey Key is its own animal. It is a narrow barrier island with Gulf frontage on one side and Blackburn Bay or Dona Bay on the other, and most of it sits in VE or AE flood zones. That means high-value construction, elevated foundations, and flood insurance that actually matters, not a formality. Move inland to Laurel, Calusa Lakes, or The Oaks and the exposure shifts: less storm surge risk, more risk from heavy rainfall pooling around Dona Bay and its tributary creeks after a tropical system stalls over the county.
Here is the flood stance we work from: all of Florida is a flood zone, hazardous or not, and Osprey and Nokomis prove it on both ends of the spectrum. We write NFIP first because it is taxpayer backed and does not non-renew you after a claim, which is exactly what private flood carriers tend to do. Private flood has its place as excess coverage on top of NFIP limits, especially for the larger homes on Casey Key, but we do not lead with it as primary coverage.
On the commercial side, the retail plazas and strip centers along US-41 through Osprey and Nokomis need coverage that accounts for tenant mix, parking lot liability, and named storm deductibles that typically run 2 to 5 percent of the building's insured value, not a flat dollar amount. Dennis managed shopping centers before he got into insurance, so when he looks at a plaza's declarations page he is reading it the way an owner would, not just checking boxes.
Whether you are on Casey Key, off Laurel Road, or running a business on US-41, we are an independent agency, which means we are not stuck with one carrier's answer for your street. Call 941-952-7991.
Yes. All of Florida is a flood zone, hazardous or not, and Osprey and Nokomis show why: bay surge from Little Sarasota Bay or Dona Bay can push water inland, and heavy rain events back up drainage well past Laurel Road and Calusa Lakes, miles from the coast. We check the actual flood zone for your address and quote NFIP first, since it does not drop you after a claim the way some private carriers do.
Casey Key is a barrier island, and most of it falls in VE or AE flood zones, so premiums run higher than mainland Osprey or Nokomis and often need high-value or surplus lines markets in addition to standard carriers. We typically pair NFIP for primary flood coverage with an excess flood policy to cover the gap above NFIP's limits on larger homes. Call 941-952-7991 and we will shop your specific address and elevation certificate.
Yes. US-41 runs directly through both towns and carries a steady stream of retail plazas and strip centers, from small local storefronts to larger shopping centers. Dennis managed shopping centers before he became an agent, so he underwrites these properties from an owner's perspective on things like tenant liability and wind exposure. See our strip center insurance page for more detail.
Named storm deductibles are usually a percentage of your dwelling or building's insured value, commonly 2 to 5 percent, rather than a flat dollar figure like a standard deductible. On a $600,000 home that can mean a $12,000 to $30,000 deductible on a named storm claim. Hurricane Ian in 2022 and the back-to-back 2024 storms, Helene and Milton, made a lot of Osprey and Nokomis homeowners look at that number for the first time. We walk through it with you before you bind, not after a claim.
Often, yes. Florida's depopulation rules let private carriers take Citizens policyholders if the private offer is within 20 percent of the Citizens renewal premium. We pull your Citizens declarations page, run it against carriers writing in Osprey and Nokomis right now, and tell you straight whether a private option beats what you have. Call 941-952-7991 and send over your dec page.
Yes. Golf carts are part of daily life in communities like The Oaks, Rivendell, and Calusa Lakes, whether residents are driving to the clubhouse or just around the neighborhood. We write liability and physical damage coverage for street-legal and non-street-legal carts alike. See our golf cart insurance page for coverage details.
Or call 941-952-7991 directly. We can quote anything in personal lines or commercial.