Hendrickson Insurance
Hendrickson Insurance
Hendrickson Insurance is an independent insurance agent based in Sarasota, Florida, writing both personal and commercial coverage across the Gulf Coast. We handle Sarasota homeowners, flood, auto, boat, and golf cart insurance, plus commercial property, strip center, general liability, and workers compensation for local businesses. Sarasota is a coastal market: barrier island wind, VE and AE flood zones, named storm deductibles, and a dense run of retail plazas along the Trail. We know those exposures because we live and work here. Call 941-952-7991 and we will shop the full Florida market for you.
Roof age, wind mitigation, and named storm exposure drive every Sarasota home quote. We shop 30-plus admitted carriers plus surplus lines to place yours.
FloodAll of Sarasota 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 Sarasota home to cut cost.
Condo / RentersDowntown Sarasota, Siesta Key, and Longboat condos need HO-6 walls-in coverage that matches the association master policy. We read the master policy first.
Boat / WatercraftSarasota Bay, New Pass, and the Gulf mean real marine exposure. We write hull, liability, and named storm haul-out coverage for local boaters.
Golf CartPalmer Ranch and Lakewood Ranch run on golf carts. Your homeowners policy will not follow the cart off your lot. We write dedicated cart coverage.
UmbrellaA personal umbrella stacks liability over your home, auto, and boat. Worth it for Sarasota 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 Sarasota owners on the road and in storage during storm season.
Retail plaza coverage is what we do best. Dennis managed shopping centers before writing insurance, so we handle Sarasota strip centers from the owner's side: building, business income, liability, tenant COI tracking, and named storm exposure along the Tamiami Trail and Bee Ridge.
Commercial PropertyOffice, retail, and mixed-use buildings across Sarasota. We handle coastal wind, roof age, and the surplus lines market that most of downtown now requires.
Commercial FloodGround-floor retail near the bay and inland rainfall flooding both hit Sarasota businesses. We pair NFIP commercial with excess flood where limits require it.
General LiabilitySlip-and-fall, tenant, and operations exposure for Sarasota 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 Sarasota comp and keep your class codes honest.
BOPA BOP bundles property and liability for Sarasota 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 Sarasota and the keys. We write master property, liability, and D&O for boards navigating the Florida market.
Sarasota is not one insurance market. It is several. A home in downtown 34236 or Southside Village 34239 prices differently than a barrier island house on Siesta Key 34242, and both differ from newer construction out in Palmer Ranch 34238 or the Lakewood Ranch edge in 34240. Carriers read those ZIP codes, the distance to open water, and the year the roof went on before they quote a dollar.
The barrier islands carry the heaviest exposure. Siesta Key, Longboat Key, and Bird Key sit in VE and AE flood zones with the highest wind rating in the county. Homes there need a real flood limit, not just a wind policy, and they usually land in the surplus lines market. On the mainland, the problem is different: neighborhoods like Gulf Gate and the areas east of the Tamiami Trail flood from rainfall, not surge. That is why the framing matters. All of Sarasota is a flood zone, hazardous or non-hazardous, and treating any address as flood-proof is how owners get caught.
For flood we lead with NFIP and Wright Flood. It is taxpayer-backed and does not non-renew you after a claim, which is exactly what private flood carriers do once a coastal home files. We keep private flood in its lane: excess limits above the NFIP cap, not primary coverage.
On the commercial side, Sarasota is a retail town. The plazas along the Tamiami Trail, Bee Ridge Road, and Fruitville, plus the mixed-use blocks downtown, are exactly the property type we know best. Retail plaza ownership carries its own puzzle: matching building limits to replacement cost, tracking tenant certificates of insurance, meeting lease insurance requirements, and pricing named storm deductibles that can run 2 to 5 percent of the building value. Dennis managed shopping centers before he wrote a single policy, so that is a conversation between peers, not a sales pitch.
Whether you own a home on the water, a business on the Trail, or a plaza full of tenants, the move is the same. We shop the whole Florida market, admitted and surplus, and tell you straight what actually fits. Call 941-952-7991.
Yes, you should consider it. All of Florida is a flood zone, and Sarasota floods well inland of the bay from heavy rain. Homes in Gulf Gate, Palmer Ranch, and areas east of the Tamiami Trail flood from rainfall, not just storm surge. For primary coverage we write Wright Flood and NFIP, which is taxpayer-backed and does not non-renew you after a claim. Private flood we reserve for excess limits.
Barrier island homes sit in VE and AE flood zones with the highest wind exposure in the county, so premiums run well above mainland Sarasota. Cost turns on roof age, elevation, wind mitigation, and construction. We shop your home across 30-plus admitted carriers plus surplus lines and pair it with the right NFIP or excess flood limit. Call 941-952-7991 with the address and we will quote it.
Yes. Retail plaza coverage is our specialty. Dennis Hendrickson's background is shopping center management, so we handle the owner's side of retail property along the Tamiami Trail, Bee Ridge Road, and downtown Sarasota: building coverage, business income, general liability, tenant COI tracking, lease insurance requirements, and named storm exposure. See our strip centers page or call 941-952-7991.
Florida homeowners policies carry a separate hurricane deductible, usually 2 to 5 percent of the dwelling limit, that applies when the National Hurricane Center names a storm. On a 500,000 dollar home a 2 percent deductible is 10,000 dollars out of pocket before wind coverage responds. We walk you through the tradeoff between deductible level and premium so there are no surprises after a storm.
Often, yes. As the private Florida market has stabilized, more admitted carriers are writing Sarasota homes again, and by law you must leave Citizens if an admitted carrier offers comparable coverage within 20 percent of the Citizens premium. We shop the full market to find that offer where one exists. Send us your current Citizens declarations page and we will compare.
Yes. Golf carts are common in Palmer Ranch, Lakewood Ranch, and the gated communities around Sarasota, and a homeowners policy usually will not cover them off your own property. We write dedicated golf cart coverage for liability and physical damage. Call 941-952-7991 or see our golf cart page.
Or call 941-952-7991 directly. We can quote anything in personal lines or commercial.