Dennis Hendrickson

CEO Hendrickson Insurance | Analyzing the world through the lens of Risk & Assets. 🏢 Real Estate & Insurance Veteran |

[Dennis Hendrickson @DenHendrickson]

@realEstateTrent I have a lot of personal experience with this and it's put me in a very difficult financial position. No one else has brought this up "insurance tied to employment". It's rigged that way btw.

[Dennis Hendrickson @DenHendrickson]

When an AI tool produces a wrong recommendation and a client is harmed, both the developer and deploying business may face liability. GL excludes professional services. E&O may exclude automated systems. That gap is where AI product liability claims land.

[Dennis Hendrickson @DenHendrickson]

@PaulGoldEagle Phil Godlewski in a deposition said Gavin Newsom ki||ed himself and the person you see now is a clone.

[Dennis Hendrickson @DenHendrickson]

@rumble is now officially trash. This is on my home page. @chrispavlovski you’re a joke bro.

[Dennis Hendrickson @DenHendrickson]

The base GL on most commercial property policies is $1M per occurrence. Surgery, long-term disability, and attorney's fees on a serious injury claim can exhaust that limit fast. A commercial umbrella starts where limits end, typically for a fraction of the underlying premium.

[Dennis Hendrickson @DenHendrickson]

Boards that haven't asked management for an AI risk inventory are building a D&O exposure. The SEC has flagged inadequate AI disclosure. Courts are applying governance standards to AI failures. Directors who don't oversee AI risk the way they do financial risk are creating a gap.

[Dennis Hendrickson @DenHendrickson]

A fire at one end of a strip center can shut down every tenant. The landlord's policy covers the building and his rent. Each tenant needs their own business income coverage. Most retail tenants don't carry it. Some leases don't require it. The gap shows up after a major loss.

[Dennis Hendrickson @DenHendrickson]

AI hiring tools that filter out protected-class applicants have drawn EEOC complaints. Employers are responsible for discriminatory outcomes from tools they deploy, even if an algorithm made the call. Most EPL policies should be reviewed for AI hiring coverage.

[Dennis Hendrickson @DenHendrickson]

Commercial property policies have a 60-day vacancy provision. After that, coverage for vandalism, glass breakage, and water damage is suspended. If your anchor tenant leaves and the space sits empty, your policy changes without notification. Most owners find out after the loss.

[Dennis Hendrickson @DenHendrickson]

Three reps in a row refused to escalate, refused to file a complaint about the driver, and closed the chat on me. The message was clear: their terms of service matter more than whether their customers stay safe.

[Dennis Hendrickson @DenHendrickson]

I ordered a gluten-free beer on @UberEats. The shopper quietly swapped it for a regular gluten product. No call. No text. Just changed it and delivered it.

[Dennis Hendrickson @DenHendrickson]

One rep actually wrote: "wrong items are delivered every day, mistakes happen." For people with celiac or severe allergies, that "mistake" can put you in the ER.

[Dennis Hendrickson @DenHendrickson]

@YouTube You can just go to hell and call it a day.

[Dennis Hendrickson @DenHendrickson]

@UberEats screws up another order!!!! Ordered gluten free beer and the non-citizen delivers beer with gluten in it. Just be aware that these companies are allowing people who don't understand English to bring food to you that may kill you. Keep that in the back of your mind when ordering through these companies and then they make it impossible for you on their website to get your money back.

[Dennis Hendrickson @DenHendrickson]

Auto insurance assigns liability to the driver. Autonomous vehicles assign decisions to software. When an autonomous system causes an accident, that's product liability — not driver liability. Most auto policies haven't been updated for autonomous operation.

[Dennis Hendrickson @DenHendrickson]

Hackers are taking over business websites through a contact form plugin. No password. They just submit the form and the server runs their code. If your site runs WordPress, update every plugin today and check for admin accounts you don't recognize. New video breaks it down.

[Dennis Hendrickson @DenHendrickson]

Strip center leases require tenants to carry insurance and name the landlord as additional insured. Most landlords never verify the certificates are current. A certificate from 18 months ago on a policy that lapsed last year is worthless at claim time.

[Dennis Hendrickson @DenHendrickson]

Carriers use AI to price policies, predict claims, and deny coverage. Several states now require bias audits of AI underwriting models. If you get an unexplained rate increase or non-renewal, AI may have made the call — but you still have the right to an explanation.

[Dennis Hendrickson @DenHendrickson]

A customer falls in your strip center parking lot and sues. You own the lot. Florida's 2023 tort reform raised the fault bar — it didn't eliminate legitimate premises liability. Strip center owners carry exposure for every common area they maintain. Most don't carry enough GL.