Hendrickson Insurance
Hendrickson Insurance
Florida law requires workers compensation insurance for most employers. Construction businesses with 1+ employees, non-construction businesses with 4+ employees. Hendrickson Insurance writes Florida workers compensation for contractors, retailers, restaurants, professional services, and small businesses across Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch. Standard markets when we can, residual market and assigned risk pool when we have to.
All necessary medical treatment for work-related injuries. Doctor visits, hospitalization, surgery, prescriptions, physical therapy. No employee out-of-pocket cost.
Typically 66.67% of average weekly wage replacement after a 7-day waiting period. Temporary total, temporary partial, and permanent benefits depending on injury severity.
Limited coverage for lawsuits by injured workers in specific situations. Typically $100K/$500K/$100K limits standard. Important for protecting business owners against gap claims.
Expanded content covering NCCI class codes, experience modifier analysis, Florida construction exemption rules, contractor coverage requirements, dividend programs, and audit best practices is coming. In the meantime, call 941-952-7991 for a quote.
Foundation business liability; pairs with workers comp on most commercial accounts.
02 / Related CoverageEmployees driving on the job involve both lines.
03 / Related CoverageWorkers comp covers physical injury; EPLI covers employment-related lawsuits.
04 / Related CoverageBoth workers comp and group health touch employee benefits and risk.
Yes. Florida requires workers compensation for most employers. Construction businesses must carry workers comp if they have 1 or more employees. Non-construction businesses must carry workers comp if they have 4 or more employees. Agricultural businesses have separate thresholds (6+ regular employees or 12+ seasonal). Penalties for non-coverage are severe , Florida issues stop-work orders and 2x premium penalties.
Workers comp covers medical treatment, lost wages (typically 66.67% of average weekly wage), permanent impairment benefits, and death benefits for employees injured on the job. It also provides employers liability coverage to protect against lawsuits by injured workers in limited situations.
Call 941-952-7991 with your business class codes (or NCCI codes), payroll by class, employee count, and 3-5 year loss history if available. We'll have a workers comp quote within 2-3 business days for standard classes; longer for harder-to-place classes.
Call 941-952-7991 or schedule a 30-minute call. Have payroll, class codes, and loss runs 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.
Read the story → Start a quote →