What Does Umbrella Insurance Actually Cover? (And Where It Falls Short)
Most people think umbrella insurance is simple. It’s just extra coverage that kicks in when your home or auto policy runs out. But that assumption...
15 April, 2026
NEWS
How Much Does Liquor Liability Insurance Cost?
Liquor liability insurance typically costs $500 to $2,500+ per year for small to mid-sized businesses. However, pricing can vary widely depending on your risk level, alcohol...
08 April, 2026
What Is Host Liquor Liability Insurance?
Host liquor liability insurance protects you when you serve alcohol at an event, but are not in the business of selling it. This applies to things...
07 April, 2026
Outdoor Recreation Liability Waivers and Safety: A Practical Playbook
Many outdoor recreation businesses rely on liability waivers as their main protection from lawsuits. Waivers are important, but they are not a shield against every...
31 March, 2026
Spring Outdoor Recreation Risk Management Checklist: 25 Hidden Gaps Operators Miss
Spring is one of the busiest seasons for outdoor recreation businesses. Trails open, courses are rebuilt, water activities restart, and guest volume spikes. With that...
24 March, 2026
Golf Cart Liability Insurance for HOAs & Gated Communities: Risks, Coverage & TRU Solutions
Introduction: When Golf Carts Become a Community Liability Tree-lined streets, quiet cul-de-sacs, and the hum of golf carts rolling to the pool or clubhouse - this...
18 March, 2026
Vacation Rental Golf Cart Insurance: Liability Risks for Hosts & Property Managers
Introduction: When a "Fun Perk" Becomes Your Biggest Liability Offering a golf cart with your vacation rental or short-term rental property can feel like a winning...
11 March, 2026
Low Speed Vehicle (LSV) Insurance: What Counts & When You Need It
Introduction: When “Slow” Vehicles Create Fast-Moving Problems Golf carts. Neighborhood electric vehicles. Utility carts buzzing around a resort or HOA. They look harmless and “low risk”...
04 March, 2026
Rick J. Lindsey Discusses The Escalating Cost of Motorcoach Insurance with ABA’s AAMC
Insurance shouldn’t feel like a tax on doing business. It should be a partnership that helps you run better coaches, win better accounts, and survive...
23 October, 2025
Navigating the Rise of Nuclear Verdicts: A Call to Action for Business Owners
The landscape of corporate litigation is evolving, and business owners must take note. According to a groundbreaking report from research firm Marathon Strategies, nuclear verdicts...
19 June, 2025
Risk Management Partnership: A Modern Approach
Are you tired of insurance policies that promise the world but leave you high and dry when you need them most? You're not alone. The...
09 June, 2025
True Insurance Coverage: Beyond Deductibles
Does your insurance really cover you when disaster strikes? Or are you more self-insured than you realize? Many people buy insurance based on price alone,...
27 May, 2025
Hurricane Insurance Coverage: What to Know
NOAA’s outlook for the 2025 Atlantic hurricane season, which goes from June 1 to November 30, predicts a 60% chance of an above-normal season. When...
12 May, 2025
Understanding Florida’s New Dangerous Dogs Legislation
Florida has recently taken a significant step towards enhancing the safety and oversight of dog ownership within the state with the introduction of Senate Bill...
30 April, 2025
Why People Hate Insurance
Ever wondered why so many people express frustration with their insurance experiences? It's a sentiment that echoes across various industries, from homeowners to business owners....
29 April, 2025
Simplifying Insurance Claims: A Smoother Process
Insurance claims can be a major headache for policyholders. From delayed reporting to hidden exclusions, the process often leaves people feeling frustrated and underserved. But...
23 April, 2025
2nd Annual XINSURANCE Offshore Relocated to the Bagnell Dam
In line with making big waves, as per usual, the Lake of the Ozarks Shootout Board of Directors has unanimously voted to relocate its points-based,...
17 April, 2025
Choosing the Right Insurance Coverage: A Guide
When it comes to choosing the right insurance coverage, many people find themselves navigating a complex landscape of options, exclusions, and fine print. The "I...
14 April, 2025
XINSURANCE Offshore Powerboat Racing Team Welcomes Acclaimed Sports Star
April 8, 2025, Salt Lake City, UT - Rick J. Lindsey, CEO of XINSURANCE, is excited to announce that Travis Pastrana will join the XINSURANCE...
09 April, 2025
Are Insurance Waivers Worth It? Key Insights
Are waivers worth it in insurance? This question has been debated in the insurance industry for years. In the latest episode of the "I Hate...
26 March, 2025
XINSURANCE Powers Up with Sponsorship of Premier Offshore Racing Team
Salt Lake City, March 19, 2025 XINSURANCE, a leader in specialty liability insurance solutions, is proud to announce its sponsorship of a groundbreaking offshore racing team,...
19 March, 2025
Top 10 Risk Management Tips for Grocery Stores: A Comprehensive Guide
Managing a grocery store comes with its unique set of challenges and risks. From ensuring the safety of both customers and employees to protecting the...
18 March, 2025
Entrepreneurship in Challenging Industries: A Guide
Entrepreneurship often means taking risks and venturing into challenging industries. In the latest episode of the "I Hate Insurance" podcast, host Rick J. Lindsey sits...
17 March, 2025
Ace Your Coverage with Pickleball Facility Insurance
Pickleball is sweeping the nation, and with its popularity skyrocketing, the need for specialized pickleball facility insurance has never been greater. Facility owners understand the...
26 February, 2025
Soar High with Confidence: XINSURANCE for Paragliders
Tailored Insurance Solutions for Paragliding Enthusiasts Ultralight flying is an activity synonymous with human aspiration to soar like a bird. Yet, while the dreams are sky-high,...
16 January, 2025