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Specialty Insurance: The Importance of Liability Insurance

No matter what you do for a living, where you live, or what you enjoy doing for fun, liability insurance is important to have. You might go to work every day for decades and not run into any legal problems, but then one day something unfortunate happens and you’re being sued for monetary damages. You might think that just because the company you work for has insurance you’re safe, but your personal liability isn’t always protected. The same can be said for dogs. You might have a dog for years and never have any behavior problems, but then one day the dog bites someone and you end up getting sued. Animal liability insurance can help you stay protected when something goes wrong.

These types of specialty insurance policies can cover hundreds of other areas, such as health care professionals, security guards, firearm instructors, vacant property, and much more. Just because you’ve been safe your whole career and never faced any legal trouble doesn’t mean you can always be so lucky, so it’s best to make sure you’re protected with a specialty insurance plan to cover any and all liability you might face, no matter what gaps your existing policies have.

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.