Hendrickson Insurance
Most commercial brokers treat strip malls like any other building. We don't. Every coverage type we offer is structured around the specific risks of multi-tenant retail properties in Florida — wind exposure, tenant liability, lease structure, and the E&S market realities of coastal ownership.
Schedule a Coverage ReviewWe don't use a generalist playbook. Every product we place is chosen and structured specifically for multi-tenant retail strip centers. From standard markets to surplus lines, we find the right solution for your property.
Building coverage structured to your actual replacement cost, not an underwriter's estimate. We make sure your statement of values is accurate so you are not underinsured when it matters most.
Slip-and-fall, premises liability, tenant disputes. As a strip center owner your exposure is broad. We size limits appropriately and review how your leases assign risk between you and your tenants.
Florida wind coverage is its own market. We navigate standard carriers, Citizens, and private wind markets to find the best combination of price and coverage for your specific location and construction.
NFIP limits are often inadequate for commercial retail properties. We evaluate private flood markets alongside federal programs to make sure your building value and loss of rents are properly covered.
When a covered loss puts tenants out of business, your rental income stops. Business interruption and loss of rents coverage keeps your debt service covered while repairs are made.
Multi-tenant retail properties carry higher liability exposure. An umbrella policy extends your protection beyond primary limits at a fraction of the cost of raising each underlying policy individually.
Older buildings, coastal exposure, high vacancy, difficult tenants. When standard markets say no, we access wholesale and surplus lines carriers who understand Florida retail risk and will write it.
Your lease structure determines who is responsible for what. We review NNN and gross lease terms to make sure your insurance program aligns with your contractual obligations and closes every gap.
"Florida is not a normal commercial insurance market. You need a broker who was built for it."
Between wind exposure, coastal flood zones, litigation trends, and the ongoing contraction of standard carriers, retail property owners across Florida are facing renewals that look nothing like they did three years ago. A generalist broker who places strip malls alongside restaurants and apartment buildings is not equipped to navigate this.
Hendrickson Insurance was built specifically for this asset class. We understand how tenant mix affects your liability exposure, how lease structure shifts risk, how your building age and construction type changes your market options, and how to write a submission that gives underwriters the confidence to compete for your account.