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Animal Liability Insurance for Your Four-Legged Family Member

As any pet parent will tell you, our furry friends are more than just animals; they’re family. According to a U.S. Humane Society survey, 65% of all households currently have a pet. Clearly, our pets are a big part of our lives, and we would do whatever it takes to protect them. Yet many pet owners don’t recognize the importance of a solid animal liability insurance policy.

Certainly, responsible pet owners are aware that their homeowner’s insurance covers pet-related problems such as dog bites, in the event their pup gets overly frisky and forgets his manners. However, many clients may not realize the limitations of their coverage. As is the norm, an insurance policy will typically cover between $100,000 and $300,000 in damages. Unfortunately, according to the Insurance Information Institute, once Fido has bitten someone, the insurance policy may raise the owner’s premiums, or exclude the dog from future coverage altogether. With over 4.7 million dog bites per year, no homeowner can afford to be without coverage.

While some insurance companies will only cover a dog if the owner takes the pet to behavior modification classes, and others insist on pet owners signing a liability waiver for dog bites, XINSURANCE will stand by you and your pooch even through the toughest times. True to its name, XINSURANCE prides itself on taking care of you and your beloved pet when the unexpected happens. Our company understands that the very rationale behind insurance is to protect our clients, two and four-legged, no matter the circumstance.

As true animal lovers, we value your pet, regardless of breed or behavioral history.  Contact us to discuss your pet’s needs. We look forward to helping you protect your assets and your cherished pet.


Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.