Hendrickson Insurance
Hendrickson Insurance
Palmetto sits on the north shore of the Manatee River, across the water from Bradenton, where historic downtown streets meet newer growth out toward Artisan Lakes and US-301. It is a mixed market. Waterfront homes on Snead Island and Terra Ceia carry real surge exposure from the Manatee River and Tampa Bay, boat owners keep vessels at Riviera Dunes Marina and smaller docks along the river, and inland rooftops near US-41 and 10th Street face wind and rain risk without the same water line. Agricultural land still borders the city on the east side. We write homeowners, flood, boat, auto and commercial policies here every week. Call 941-952-7991 and we will shop the full Florida market for you.
Roof age, wind mitigation, and named storm exposure drive every Palmetto home quote. We shop 30-plus admitted carriers plus surplus lines to place yours.
FloodAll of Palmetto 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 Palmetto home to cut cost.
Condo / RentersRiviera Dunes and other Manatee River waterfront communities need coverage built around the association master policy, HO6 walls-in limits, and real flood exposure. We read the master policy first, then close the gaps.
Boat / WatercraftKeep a boat at Riviera Dunes Marina, on a lift at Snead Island, or off Terra Ceia Bay, we write agreed-value hull, liability, and towing coverage sized to how you actually use the water.
Golf CartHistoric downtown Palmetto, Snead Island and Artisan Lakes see steady golf cart traffic on quiet streets and community paths. We insure carts for liability, theft and collision so a low-speed ride does not turn into an out-of-pocket loss.
UmbrellaA personal umbrella stacks liability over your home, auto, and boat. Worth it for Palmetto 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 Palmetto owners on the road and in storage during storm season.
US-41 and US-301 carry the retail traffic through Palmetto, from the Business 41 corridor downtown to the plazas feeding the Ellenton outlet area. Dennis managed shopping centers before he sold insurance, so he reads a lease and CAM structure like an owner, then builds the property and liability program around it.
Commercial PropertyOffice, retail, and mixed-use buildings across Palmetto. We handle coastal wind, roof age, and the surplus lines market that most of downtown now requires.
Commercial FloodA business on the river or bay side of Palmetto can flood from storm surge blocks from the water. We write NFIP flood for commercial buildings and contents, then layer excess flood for higher-value locations near the river.
General LiabilitySlip-and-fall, tenant, and operations exposure for Palmetto 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 Palmetto comp and keep your class codes honest.
BOPA BOP bundles property and liability for Palmetto 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 Palmetto and the surrounding area. We write master property, liability, and D&O for boards navigating the Florida market.
Palmetto is not one market. In 34221, waterfront homes and condos on Snead Island and around Riviera Dunes carry marina slips, seawalls, and real river exposure. A few miles inland along US-41 and 10th Street, rooftops in neighborhoods like Artisan Lakes sit higher and further from open water, so wind, roof age, and rain intrusion drive the rate more than surge does. Out toward 34220 and Terra Ceia, you get a mix of older homesteads, agricultural land, and newer waterfront lots on Terra Ceia Bay. We price all of it differently because it is different risk, not a single Palmetto number.
The Manatee River and Tampa Bay are the two things that actually flood Palmetto. Hurricane Helene pushed storm surge of five and a half to seven feet through parts of Manatee County in September 2024, and first responders evacuated homes in Palmetto along with Anna Maria Island as water came up the river. Hurricane Milton followed weeks later with more wind and rain. Snead Island and Riviera Dunes sit right on that surge path, and heavy rainfall alone can flood low-lying yards well away from the water. None of that is a surprise event. It is how this stretch of the Gulf Coast behaves.
All of Florida is a flood zone. Some are hazardous, some are not, but there is no such thing as a Palmetto property that cannot flood. We do not sell that idea to clients and we are not going to sell it here. Our default for primary flood coverage is NFIP, backed by the federal government, sometimes placed through Wright Flood. NFIP does not drop you after a claim the way some private carriers do once losses start adding up. Private flood has its place for higher limits above what NFIP will write, especially on bigger waterfront homes near Riviera Dunes or Snead Island, but we use it as excess, not as your primary policy.
On the commercial side, Palmetto runs on US-41 and US-301, from the Business 41 corridor through downtown out toward the retail plazas near the Ellenton outlet mall. Dennis managed shopping centers before he got into insurance, so when he looks at a strip center policy he is reading it the way an owner reads a lease, not the way a call center reads a form. Named storm and hurricane deductibles on Florida commercial property usually run two to five percent of the building value, not a flat dollar number, and that detail changes your real out-of-pocket risk more than most owners realize until we walk through it together.
If you own a home, a boat, or a business anywhere from downtown Palmetto to Snead Island, Terra Ceia, or the US-301 corridor, we can quote it. We are an independent agency, so we are not stuck with one carrier's answer for river or bay exposure. Call 941-952-7991.
Yes. All of Florida is a flood zone, hazardous or not, and Palmetto sits on the Manatee River with Tampa Bay right beyond it. Homes well inland of Snead Island and Terra Ceia have flooded from heavy rainfall and drainage backup even when they were nowhere near the river. Storm surge from Helene in 2024 reached blocks past the shoreline. If your mortgage does not require flood coverage, that is a gap, not a green light to skip it.
It depends heavily on flood zone. A Snead Island or Manatee River home in a VE zone with wave action costs more to insure than a similar home a few blocks inland in an AE zone, mainly because of the flood premium and elevation requirements. We shop more than 30 carriers plus NFIP for primary flood, then layer excess flood on top for higher-value waterfront homes. Call 941-952-7991 and we will run actual numbers against your address, not a zip code average.
Yes, and it is a specialty for us. Dennis managed shopping centers before he sold insurance, so he understands NNN leases, CAM reconciliation, and tenant mix along corridors like US-41 and US-301 the way an owner does. We write property, general liability, and named storm coverage for retail plazas from downtown Palmetto out toward the Ellenton area. See strip-centers.html for how we approach a full center program.
Most Florida homeowners and commercial policies in Palmetto carry a separate named storm or hurricane deductible, usually two to five percent of the dwelling or building value, not the flat amount on the rest of the policy. On a $400,000 home that can mean a $8,000 to $20,000 deductible before coverage kicks in. After Helene and Milton in 2024, a lot of Manatee County owners learned that number for the first time on a claim. We walk through it before you buy, not after.
Often, yes. Florida law lets you leave Citizens if a private carrier offers a comparable policy within 20 percent of your current Citizens premium, and in many Palmetto zip codes that comparable offer exists now. Send us your Citizens declarations page and we will run it against the carriers we have appointed, including the Florida-focused ones writing new business again in this area. Call 941-952-7991 to get that comparison started.
Yes. Golf carts see regular use around historic downtown Palmetto, Snead Island, and communities like Artisan Lakes, and a standard auto policy usually will not cover one. We write liability, theft, and collision coverage for street-legal and low-speed carts so a fender bender or a stolen cart does not come out of your pocket. See golf-cart.html for how we structure that coverage.
Or call 941-952-7991 directly. We can quote anything in personal lines or commercial.