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Gaps in Personal Liability Coverage

Have you ever wondered if your insurance adequately covers you, your family, your profession, your business?  In many cases, standard insurance does not.  Many people are left with gaps in coverage which is essentially less than adequate insurance.

That’s where individual liability protection is part of the solution.  XINSURANCE is one of a kind coverage customized just for you.

Most people think they have enough insurance.  Take the case of a trucker who recently got into a highway accident.  He thought his employer’s insurance had his back.  Not a chance.  His employer insured him – to a point.  Once the driver was named individually in a lawsuit, the employer threw him under the bus.  He was on his own.

XINSURANCE liability protection provides sound insurance coverage solutions and a defense to protect your assets when a claim, incident, or lawsuit occurs.  XINSURANCE is customized based on occupation, hobbies, volunteering, moonlighting, or anywhere your lifestyles shows a gap in traditional coverage.  Traditional insurance provides protection, but there are still gaps and exclusions that leave you exposed.

Risks not covered by insurance means you are on your own to figure out what do to and where to go and how to handle the financial burden and defense.  No matter what your occupation, lifestyle, hobbies adventurers, or financial situation if you are at risk due to gaps in coverage you may be sued.  XINSURANCE provides one-of-a-kind coverage solutions to address these gaps in liability protection.

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.