Hendrickson Insurance
Hendrickson Insurance
Hendrickson Insurance is an independent insurance agent serving St. Petersburg, Florida and Pinellas County, writing both personal and commercial coverage across the Gulf Coast. We handle St. Petersburg homeowners, flood, condo, boat, and auto insurance, plus commercial property, strip center, general liability, and workers compensation for local businesses. St. Pete sits on a peninsula between Tampa Bay and the Gulf, with VE flood zones on the beaches and neighborhoods like Shore Acres that flood routinely. We know those exposures. Call 941-952-7991 and we will shop the full Florida market for you.
Flood zone, roof age, and wind mitigation drive every St. Pete home quote, and waterfront neighborhoods price apart from inland. We shop 30-plus carriers to place yours.
FloodA peninsula between the bay and the Gulf, with Shore Acres and the beaches flooding routinely. All of Pinellas is a flood zone. We write Wright Flood and NFIP primary.
Condo / RentersDowntown Beach Drive, the Old Northeast, and the beach towers are a dense condo market. Each unit needs HO-6 walls-in coverage matched to the master policy. We read it first.
AutoFlorida is a no-fault state with its own PIP rules. We write auto through Progressive and others and bundle it with your St. Pete home to cut cost.
Boat / WatercraftWith the Gulf, Tampa Bay, and Boca Ciega Bay at the doorstep, St. Pete is a boating town. We write hull, liability, and named storm haul-out coverage.
UmbrellaA personal umbrella stacks liability over your home, auto, and boat. Worth it for waterfront and Tierra Verde owners and anyone with assets to protect.
MotorcycleYear-round riding weather on the Pinellas coast. We write bike coverage with the liability and physical damage limits Florida roads call for.
Golf CartGolf carts turn up on Tierra Verde, Isla del Sol, and in the beach communities. Your homeowners policy will not follow the cart off your lot. We write dedicated coverage.
RV / MotorhomeFrom Class A motorhomes to travel trailers, we write RV coverage for St. Pete owners on the road and in storage during hurricane season.
Retail plaza coverage is what we do best. Dennis managed shopping centers before writing insurance, so we handle St. Pete strip centers from the owner's side: building, business income, liability, tenant COI tracking, and named storm exposure along Central Avenue, 4th Street North, and Tyrone.
Commercial PropertyOffice, retail, and mixed-use across downtown, the EDGE district, and the Gateway business area. We handle coastal wind, roof age, and the surplus lines market.
Commercial FloodGround-floor retail near the waterfront and low-lying commercial districts carry heavy surge exposure. We pair NFIP commercial with excess flood where limits require it.
General LiabilitySlip-and-fall, tenant, and operations exposure for St. Pete shops, contractors, and service businesses. We write the GL limits your leases and clients require.
Workers CompFlorida requires workers comp for most employers, with the tightest rules on construction. We place Pinellas County comp and keep your class codes honest.
BOPA BOP bundles property and liability for St. Pete 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 downtown, the beaches, and the barrier islands. We write master property, liability, and D&O for boards navigating the Florida market.
St. Petersburg is a peninsula, and that geography sets the whole insurance picture. A home in the Old Northeast 33704 or on Snell Isle prices differently than downtown 33701, the barrier beaches in 33706, or Tierra Verde 33715. Pinellas is the most densely populated county in Florida, wrapped by Tampa Bay on one side and the Gulf on the other. Carriers read the ZIP code, the flood zone, the elevation, and the year the roof went on before they quote a dollar.
Flood is the headline exposure. The barrier beaches, St. Pete Beach, Treasure Island, and Tierra Verde, sit in VE zones. On the mainland, Shore Acres, Venetian Isles, and Coquina Key flood so routinely that residents track it by the tide chart. All of Pinellas County is a flood zone, hazardous or non-hazardous, and treating any address as flood-proof is how owners get caught. A wind policy alone does not respond to rising water; you need a real flood limit behind it.
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, St. Pete has become a real small-business town. Central Avenue, the EDGE district, Grand Central, and 4th Street North run on independent shops and restaurants, and the Gateway and Carillon areas anchor the office market. The retail plazas along those corridors are exactly the property type we know best, from the owner's side: matching building limits to replacement cost, tracking tenant certificates, and pricing named storm deductibles that can run 2 to 5 percent of the building value.
Whether you own a home on the beach, a condo downtown, 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.
St. Petersburg sits on a peninsula between Tampa Bay and the Gulf, and Pinellas is the most densely populated county in Florida with enormous surge exposure. Neighborhoods like Shore Acres, Venetian Isles, and Coquina Key flood routinely, and the barrier beaches sit in VE zones. All of Pinellas County 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.
St. Pete Beach, Treasure Island, and Tierra Verde sit in VE and AE flood zones with the highest wind exposure in Pinellas County, so premiums run well above the mainland and many homes land in the surplus lines market. Cost turns on roof age, elevation, and wind mitigation. We shop across 30-plus admitted carriers plus surplus lines and pair the home with the right NFIP or excess flood limit. Call 941-952-7991 with the address.
Yes. Downtown St. Pete along Beach Drive and the Old Northeast has a dense condo market, and each unit needs HO-6 walls-in coverage that matches the association master policy. We read the master policy first so you are not doubling up or leaving a gap, then place the unit coverage and any loss assessment limit you need.
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 Central Avenue, 4th Street North, and Tyrone: building coverage, business income, general liability, tenant COI tracking, lease requirements, and named storm exposure. See our strip centers page or call 941-952-7991.
Yes. With the Gulf, Tampa Bay, and Boca Ciega Bay all at the doorstep, St. Petersburg is a boating town. We write hull, liability, and named storm haul-out coverage for boats kept at the downtown marina, Maximo, and the marinas around the beaches.
Often, yes. As the private Florida market has stabilized, more admitted carriers are writing St. Petersburg and Pinellas County homes again, and by law you must leave Citizens if an admitted carrier offers comparable coverage within 20 percent of the Citizens premium. Send us your current Citizens declarations page and we will shop the full market to find that offer where one exists.
Or call 941-952-7991 directly. We can quote anything in personal lines or commercial.