For more information or to get a quote contact us today



email: [dtBlogPostSidebarAuthorEmail]

personal liability insurance

Protect Your Financial Future with Specialized Personal Liability Insurance Coverage

Insurance protects you from the unknown. Much like a life raft on a boat, insurance is there when you need it. Unfortunately, many people are ill-equipped when the storms of life begin to pound. In doing so, they risk their financial future because they expose themselves to the possibility of being sued. Fortunately, you don’t have to be a victim. By purchasing specialized personal liability insurance coverage, you can ensure that your finances are protected from litigious people.

Uncertainty Is Everywhere, and Lawsuits Are Too

The world as we know it is changing. Around any corner, at any given time, you could be held negligent for your actions. Did you know that you may be responsible if someone gets into a car accident following a night of spirits at your home? Also, someone on your property can sue you if your dog bites them. The list goes on and on.

With the potential of being sued ever-present, how do you protect your finances? Many general insurance policies don’t cover every potential liability, leaving you financially responsible for covering the costs associated with fighting a lawsuit. As such, you will likely have to pay out of pocket for all of the following:

  • A lawyer
  • Court costs
  • A private investigator
  • Medical expenses
  • The actual settlement

Even in situations where the lawsuit is unfounded, you have to battle the false accusations, which can cost thousands.

Protect Your Pockets and Your Future

Yes, you could save thousands of dollars to cover the costs associated with being sued. However, research shows that the majority of Americans have less than $1,000 in savings. Statistically, the amount of money in a savings account won’t put a dent in the monies required to cover a lawsuit. And, why would you want to deplete your savings anyway? Without savings, you could face bankruptcy!

The easiest way to ensure that you have the money you need to cover a personal lawsuit is to purchase specialized personal liability insurance coverage. Specialized personal liability coverage exists to cover those situations that other insurance products don’t cover. It exists to ensure that you don’t have to tap your nest egg to cover the medical bills you friend accrued as a result of drinking and driving after leaving your house. By making a small premium payment each month, you can protect your financial future and rest assured you are covered.


At XINSURANCE, we are your go-to insurance partner for specialized personal liability coverage. Where the other guys leave you on your own in the face of the storms of life, we are your life raft. Learn more about the insurance products we offer by giving us a call today.

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.