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

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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.

What’s Happening in Florida?

Florida has been severely impacted by the consecutive hits of Hurricanes Helene and Milton, both leaving a trail of destruction, fatalities, and widespread disruption across the state. Hurricane Milton, intensifying rapidly before making landfall, caused extensive damage with uprooted trees, significant flooding, and mass power outages, on top of the ruin already inflicted by Hurricane Helene earlier. Both storms led to numerous deaths and highlighted the urgent need for recovery and aid, with millions affected by power losses and infrastructural damage. The state’s challenges are compounded by blocked roads, ongoing risk of floods, and considerable numbers of residents still reeling from the impacts of the earlier hurricane. Florida’s road to recovery is expected to be long, with efforts focused on restoring normalcy and addressing the broader implications of these disasters.
Follow CNN for live updates.

Our Involvement with Hurricanes Helene & Milton

In response to the severe impact of Hurricanes Helene and Milton in Florida, XINSURANCE is contributing to relief efforts by providing assistance, water, and transportation. Our involvement demonstrates the importance of private sector support in disaster recovery, supplementing federal aid and helping Florida contend with the aftermath of these powerful storms.

XINSURANCE providing support for Hurricane Milton
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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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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
XInsurance Tru 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

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Sun Nov 3rd – Sun 10th
Join us for the races!

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Mon Nov 18th – Fri 22nd
Visit us at booth #2702!