Specialty Liability Insurance You Can Trust

Frustrated with insurance policies that don’t offer the coverage you need?

NO RISK IS TOO BIG OR TOO SMALL

rick j lindsey and the xinsurance helicopter
rick j lindsey and the xinsurance helicopter
rick j lindsey and the xinsurance helicopter

Are You Looking For a Reliable & Trustworthy Insurance Partner?

Receiving the coverage you need shouldn’t be a battle.

Get insurance with a plan to make a happy customer, not insurance with exclusions.
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Your Coverage Needs
Are Unique

When it comes to unique risk classes, past claims history, or high value assets — traditional providers don’t cut it. XINSURANCE takes a hands-on approach to find the best custom solution to better protect you.

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You’re Ready to Invest in
True Protection

Traditional policies make lofty promises, but are riddled with exclusions and offer insufficient protection. XINSURANCE is your partner when you’re ready to invest in a quality policy that’s meant to be used.

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You Deserve a
Trustworthy Partner

It’s hard to trust providers that dodge claims and punish you for using your insurance. XINSURANCE embraces the inevitability of claims and fights for you when things go wrong.

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It’s not a question of if an accident will happen, but a question of when…”

Mountain Adventures

Utah Mountain Adventures

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All-Star Events

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Partnership Over Policy

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Your Insurance Partner

We back up our partnership approach at every stage — from customizing insurance solutions to helping you mitigate high-risk circumstances and fighting on your behalf when things go wrong.

All-in-one insurance coverage

All-in-One Approach

Flexible underwriting means more of what you need all one place! We can consolidate your existing policies and any additional coverages into one comprehensive plan.

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40+ Years Experience

With over 90k policies issued, a thousand unique risk classes, and a combined 40 years of experience on our underwriting team, XINSURANCE has made specialty insurance our expertise.

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True Coverage

We don’t believe in half hearted insurance. If you’re serious about investing in proper protection, then XINSURANCE is your partner to find the quality coverage you need.

why umbrella insurance isn't enough anymore

Why Umbrella Insurance Isn’t Enough Anymore

Umbrella insurance can save you from paying significant amounts of money out of pocket in situations where you’re liable for an incident. But is standard umbrella insurance enough anymore? Life is naturally full of risks, and you should be confident you’re protected from them. Find out where umbrella insurance may fall short and how our TRU Umbrella solution can help you.

Navigating flood insurance with XINSURANCE

Navigating the Flood Insurance Market: How to Find the Best Coverage for You

Whether or not you live in an area prone to flooding, flood insurance can be extremely useful – it protects against losses caused by rising waters, overflowing rivers, etc.

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75% of Businesses in the US Are Underinsured by 40% or More

Underinsurance comes from having wrong coverage or insufficient coverage for your small business. Underinsured businesses are a growing problem in the United States*

Perfecting
True Protection

If something is worth protecting, it’s worth protecting properly. Unfortunately, most traditional policies won’t protect you when and where you need them most.

XINSURANCE takes a different approach to providing true protection.

  • Custom solutions for gaps & exclusions
  • Custom solutions for those with unique needs
  • Fighting on your behalf when things go wrong
  • Limits up to $20 million tailored to your needs
True Umbrella Protection

Your New Insurance Coverage Starts Here:

  • Search our product classes, or use our general form to submit a quote request
  • Tell our team more about your insurance needs & goals
  • We begin working towards a custom insurance solution to suit your needs

View our Risk Classes:

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TRU Umbrella

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Commercial Auto &
Trucks

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Personal
Liability

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Property
Owners

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Water
Sports

professional liability

Professional
Liability

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TRU Umbrella

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Commercial Auto &
Trucks

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Personal
Liability

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Property
Owners

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Water
Sports

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Product
Liability

High net-worth assets demand true coverage

From virtual captive risk sharing to true comprehensive umbrella insurance, XINSURANCE can help you protect what matters most.
No matter the coverage limit.

High net-worth assets demand true coverage

From virtual captive risk sharing to true comprehensive umbrella insurance, XINSURANCE can help you protect what matters most. No matter the coverage limit.

News & Events

The Benefits of All-In-One Homeowners Coverage in Florida

XINSURANCE Great Lakes Grand Prix

Tue Jul 30th – Sun Aug 4th
Join us for the races!

Florida Realtors Convention & Trade Expo

Wed Aug 21st – Thu 22nd
See you there!