Hendrickson Insurance
Hendrickson Insurance
Hendrickson Insurance is an independent insurance agent serving Tampa, Florida and Hillsborough County, writing both personal and commercial coverage across the Gulf Coast. We handle Tampa homeowners, flood, auto, boat, and motorcycle insurance, plus commercial property, general liability, cyber, and strip center coverage for local businesses. Tampa Bay is one of the most hurricane-surge-vulnerable metros in the country: South Tampa and Davis Islands sit low against the bay, and the Westshore business district anchors a huge commercial market. 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 Tampa home quote, and South Tampa waterfront prices apart from new build. We shop 30-plus carriers to place yours.
FloodTampa Bay is a surge trap and all of Hillsborough County is a flood zone. We write Wright Flood and NFIP for primary coverage and private flood for excess only.
AutoFlorida is a no-fault state with its own PIP rules, and Tampa traffic is heavy. We write auto through Progressive and others and bundle it with your home to cut cost.
Condo / RentersDowntown, Channelside, Harbour Island, and Westshore condos need HO-6 walls-in coverage that matches the association master policy. We read the master policy first.
Boat / WatercraftTampa Bay, the Hillsborough River, and fast Gulf access mean real marine exposure. We write hull, liability, and named storm haul-out coverage for local boaters.
MotorcycleYear-round riding weather and a big Tampa rider community. We write bike coverage with the liability and physical damage limits Florida roads call for.
UmbrellaA personal umbrella stacks liability over your home, auto, and boat. Worth it for South Tampa waterfront owners and anyone with assets to protect.
Golf CartGolf carts turn up in New Tampa and the master-planned communities toward Wesley Chapel. Your homeowners policy will not follow the cart. We write dedicated coverage.
RV / MotorhomeFrom Class A motorhomes to travel trailers, we write RV coverage for Tampa 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 Tampa strip centers from the owner's side: building, business income, liability, tenant COI tracking, and named storm exposure along Dale Mabry, Kennedy, and Fowler.
Commercial PropertyOffice, retail, and mixed-use across the Westshore business district, downtown, and Ybor City. We handle coastal wind, roof age, and the surplus lines market.
Cyber LiabilityTampa firms holding customer data face real breach exposure, and clients increasingly require proof of cyber coverage. Most agents do not understand this market. We do.
General LiabilitySlip-and-fall, tenant, and operations exposure for Tampa 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 Hillsborough County comp and keep your class codes honest.
BOPA BOP bundles property and liability for Tampa small businesses at a better rate than buying each line alone. We check whether one fits before quoting monoline.
Commercial FloodGround-floor retail and offices near the bay carry heavy surge exposure. We pair NFIP commercial with excess flood where limits require it.
Tampa is a big, uneven market. A bungalow in Hyde Park 33606 or a waterfront home on Davis Islands prices nothing like new construction in New Tampa 33647 or a townhome in Brandon and Riverview. South Tampa ZIPs like 33629 and 33611 sit low on the Interbay peninsula; Westshore and Rocky Point hug the bay. Carriers read those ZIP codes, the flood zone, the elevation, and the year the roof went on before they quote a dollar.
Flood and surge are the Tampa story. Tampa Bay is one of the most surge-vulnerable metros in the United States and has not taken a direct major hurricane hit in roughly a century, which is exactly why the risk is underpriced in people's heads. South Tampa, Bayshore Boulevard, Harbour Island, and the areas around MacDill sit low against the water. All of Hillsborough County is a flood zone, hazardous or non-hazardous, and treating an inland address as flood-proof is how owners get caught when the rain stalls over the county.
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.
Tampa is also a commercial town in a way the smaller Gulf Coast markets are not. The Westshore business district is one of the largest office markets in Florida, and downtown, Ybor City, and the retail corridors along Dale Mabry, Kennedy, and Fowler run on small business. That means commercial property, general liability, workers compensation, and increasingly cyber liability, which more Tampa clients and contracts now require. Retail plazas along those corridors are exactly the property type we know best, from the owner's side.
Whether you own a home on the water, a business in Westshore, 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.
Tampa Bay is one of the most surge-vulnerable metros in the country and has not taken a direct major hurricane hit in about a century, which is exactly why the exposure is serious. South Tampa, Davis Islands, Bayshore Boulevard, Harbour Island, and the Westshore and Rocky Point areas sit low against the bay. All of Hillsborough 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.
In South Tampa neighborhoods like Hyde Park, Palma Ceia, Sunset Park, and Davis Islands, cost turns on flood zone, elevation, roof age, wind mitigation, and construction. Older bungalows and waterfront homes price very differently than new build. 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. Tampa Bay, the Hillsborough River, and quick Gulf access mean real marine exposure. We write hull, liability, and named storm haul-out coverage for Tampa boaters, from center consoles to larger cruisers kept at Davis Islands, Harbour Island, and the marinas around the bay.
Yes. Tampa is a major commercial market, from the Westshore business district to downtown, Ybor City, and the retail corridors along Dale Mabry, Kennedy, and Fowler. We write commercial property, general liability, business owners policies, and cyber liability. Cyber matters more every year for Tampa firms holding customer data, and most agents still do not understand that market. We do.
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 Dale Mabry Highway, Kennedy Boulevard, and Fowler Avenue: 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.
Often, yes. As the private Florida market has stabilized, more admitted carriers are writing Tampa 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.