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Portrait of hopeful beautiful stylish brunette young woman in glasses sitting, looking at her laptop monitor with worry face and begging or pleading | Need insurance now

I Need Insurance NOW!

Insurers are becoming notoriously strict about the types of people or businesses to which they offer coverage. Even if they do offer coverage, it will likely come with many restrictions and limitations that deny you the peace of mind you need. All of this can leave you in a bit of a panic, screaming at your laptop: “I need insurance NOW!”

Are you a business owner carrying out a specialized activity or work within a high-risk industry? Or, perhaps, you’re an individual with similar needs. Either way, you need liability insurance. If you’re reading this article, you’ve probably been tearing your hair out trying to find some. Fortunately, we may have the solutions you need.

Why Aren’t People Getting the Insurance They Need?

There are many reasons why the right liability coverage isn’t available to those who need it. The most common issues customers face are as follows:

  • The insurer canceled the policy and won’t reinstate it
  • A renewal came up and the insurer refused to renew it
  • The individual tried to find coverage for an activity but found that most insurers consider it too “high-risk”
  • A policy exists, but it’s so full of limits and exclusions that it’s almost not worth having
  • The individual has a claims history so most insurers won’t offer coverage
  • The individual has faced bankruptcy or financial difficulty, so insurers refuse to help
  • The coverage provided isn’t flexible enough for your requirements
  • The coverage offered isn’t quite right for your needs
  • You’re fed up with dealing with bad customer service or have found it almost impossible to get a claim through

All of these reasons are enough to make the average person wonder how they will be able to carry out their activity.

What Are the Risks of Not Having Coverage in Place?

Many find it so difficult to get coverage that they take the risk of going without. This is the worst thing you can do. It can cause monumental problems. Facing a lawsuit without insurance coverage means you must pay your legal fees plus the injured parties’ fees and compensation if found liable.

  • Personal injury claims compensation typically ranges from $3,000 – $75,000
  • The national average cost of a car accident settlement is $23,900.
  • Claims for sports injuries start at approximately $2,294 for a sprain and $7,666for an arm fracture. More severe injuries will cost more

These figures are just the compensation you would be liable to pay. Add in the legal fees and you’ve got a huge bill on your hands.

You never know when an accident or mishap will happen. In our experience, continuing activities without coverage in place is not worth the risk.

Yes! I Need Insurance Now!

At XINSURANCE, we’ve made it our mission to ensure that no one goes without proper coverage even if their claims history is less than desirable or there are other factors that would adversely affect their application.

We have over four decades of experience using our unique all-in-one approach that assesses experience levels and operations to determine what kind of coverage is required. We then develop a customized policy to suit you.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. If you’ve found it impossible to get liability coverage, try XINSURANCE and you may be pleasantly surprised.

Getting in Touch with XINSURANCE

Give us a call at 877-585-2853 to talk about what you need and what we can do for you. You can also email us at Our website details everything about our company ethos and will introduce you to our vast product line.

If you can’t wait for a second longer, click for a quote and we’ll get you on track to the coverage you need fast.

If social media is more your thing, then find, follow, and like us on the following platforms. Feel free to message us via your preferred platform:

Keep an eye on our events calendar, too. We’re often out and about and we would love to meet you in person.

The next time you hear yourself shouting: “I need insurance now!” give XINSURANCE a call and let us give you the coverage you need and deserve.

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.[/vc_column_text][/vc_column][/vc_row]