There are gaps in traditional insurance that leave you exposed to liability risks. People today are drawn to many activities that result in a full and active lifestyle such as adventure activities, volunteerism, mentoring, developing skills in sports, training for firearms, special extreme sports, etc. For most however, understanding the associated risks of injury, fault, and liability is not always thought about until something goes wrong - then there is usually plenty of blame to go around. Factor in everyday life that offers surprises and things you never saw coming. So as part of your protection plan, you need a partner to make sure you have the right personal protection in place in the event of an incident or claim. Anyone can get sued for negligence, recklessness, or omission in almost all activities. So from every day to extreme risks, if an incident or claim occurs, and circumstances line up a certain way, lawsuits can happen. Preserve your lifestyle, assets, and financial security by identifying and filling insurance gaps that expose you to paying costly damages from a lawsuit. We will help you develop a personal protection plan. We'll deliver a partnership approach for your personal liability protection.
Having access to a legal service program is good, but does not pay the defense cost or the claim itself. XINSURANCE.COM is strictly for covering the cost and process of your legal defense. Legal service programs provide various benefits such as document review and preparation, but they don't provide a legal defense or pay actual damage and claims.
Your policy covers you for any claim that affects you personally in civil court. It does not provide or replace any standard insurance commonly carried such as commercial business insurance, car or home insurance, etc.