Hendrickson Insurance
Hendrickson Insurance
PURE Insurance in Florida is Privilege Underwriters Reciprocal Exchange, a Florida-domiciled reciprocal insurer owned by the households it insures. Hendrickson Insurance in Sarasota quotes PURE for high net worth homes across Florida, alongside Chubb, Vault, Private Client Select and Berkley One, so a household sees the member-owned option next to the stock carriers. This is the PURE chapter of high net worth insurance in Florida.
PURE in one paragraph. PURE is a policyholder-owned reciprocal exchange domiciled in Florida. Its policyholders are called members, and part of each member's premium is treated as a surplus contribution that builds the exchange's capital; in 2025 PURE grew surplus and returned $50 million to members. It carries an A (Excellent) financial strength rating from AM Best. By September 2024 it served more than 100,000 members and had grown at least 15 percent a year since inception; its holding company, Privilege Underwriters Inc., was founded in 2006 and is part of the Tokio Marine Group. PURE writes the household program: home, autos, collections and excess liability. The application is here.
A reciprocal exchange is not a stock company. The members insure one another through the exchange, and an attorney-in-fact runs it. The practical difference shows up in two places: a member pays a surplus contribution in the early years that builds the exchange's capital, and when the exchange runs well, capital can be returned to members, as it was in 2025. The trade is that a reciprocal selects its members; PURE describes its market as responsible high net worth families, and underwriting is accordingly selective.
What PURE writes. The household program: the home, the autos, collections and excess liability, written together so the limits and the deductibles line up. Florida wind underwriting applies as it does with every private-client carrier: roof, opening protection, distance to water and rebuild value decide the offer and the named storm deductible. Why the Florida fit matters more than the brand. Every private-client carrier has its own view of Florida wind. Distance to the coast, roof age and attachment, opening protection, construction and the rebuild value decide whether a given carrier will offer the home at all, what the named storm deductible will be, and whether flood has to come from the NFIP first. Section 627.7011(5) of the Florida Statutes stops an insurer from refusing a home solely for roof age under 15 years, or older with an inspection showing five years of useful life, but it does not make a carrier price a 2008 tile roof on a Longboat Key house the way it prices a 2023 one. The right carrier is the one whose appetite matches the house. How Hendrickson Insurance places it. Hendrickson Insurance is an independent agency in Sarasota, Florida. The private-client carriers on this page are quoted through the agency's wholesale private-client partner, which holds the appointments; Dennis Hendrickson builds the submission, reads the quotes and services the account. Send the current declarations pages, the home's rebuild estimate or square footage and year built, the roof year, any wind mitigation or four-point inspection, and the schedule of autos, valuables and boats. One submission goes to every carrier that fits, and the proposal shows them side by side.Get a quote
Two questions tell us whether we are the right fit. If we are, Dennis Hendrickson reads your application himself.
Get a PURE quote →A private-client renewal is not a bill to pay, it is a submission to shop. A PURE member whose renewal went up has the same options the first-time buyer has: the home, autos, collections and excess liability quoted with Chubb, Vault, Private Client Select and Berkley One on one proposal, with the named storm deductible and the flood placement in dollars beside each premium. Sometimes PURE is still the right answer, often with a different deductible; sometimes another carrier takes the house at a lower number because its Florida appetite fits better this year. Either way the member decides with the numbers in front of them, not with one renewal notice. Send the current PURE declarations, the renewal offer and the roof year, and the comparison comes back from Dennis Hendrickson, usually the same business day. Surplus contributions already paid belong to the member's account with PURE; the quote shows what moving would and would not cost.
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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 PURE comparison quote →Yes. Privilege Underwriters Reciprocal Exchange is a Florida-domiciled reciprocal insurer. Hendrickson Insurance in Sarasota quotes it through the agency's private-client wholesale partner for homes anywhere in Florida.
A (Excellent). Trade coverage of PURE's 2025 results notes it continues to carry an A (Excellent) financial strength rating from AM Best; its initial rating in 2008 was A- (Excellent).
PURE is a reciprocal exchange owned by its policyholders, called members. Part of each member's premium is a surplus contribution that builds the exchange's capital, and when results allow, capital is returned to members; PURE returned $50 million to members for 2025.
PURE describes its market as responsible high net worth families and underwrites selectively. PURE does not publish a home-value threshold; the submission decides. Send the declarations, the home details and the roof year and the answer comes back with the quote.
Have the same house quoted with Chubb, Vault, Private Client Select and Berkley One on one proposal, with the wind deductible and flood placement shown in dollars beside each premium. Hendrickson Insurance does that from the current PURE declarations and renewal offer, usually the same business day.
Get both quoted on one proposal, with the named storm deductible and the flood placement shown in dollars. The right carrier is the one whose Florida appetite fits the house, not the better-known name.
Apply online or call 941-957-2796. Have your current dec pages, roof year and inspections 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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