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Insurance for Start-Up Companies

Start-Up Business? No History, No Insurance — Until XINSURANCE

Insurance for Start-Up Companies

Here’s some encouraging news for the American dream. The number of startup firms — firms that are one year old or newer — numbered 415,226 in the year ended March 2017.** And currently, there are 29.6 million small businesses in the U.S., accounting for 99.9 percent of all U.S. businesses.*

As “new kids on the block,” start-ups bring fresh ideas to the marketplace and a renewed passion to the business arena. They’re also met with significant challenges. In addition to capital and cash flow difficulties, they’re charged with differentiating themselves from the competition and developing their brand — quickly. As they have no history as a company, they can also find themselves vulnerable, without any insurance. Fact is, traditional carriers shy away from businesses without history — or a checkered past. Fortunately, XINSURANCE has your back.

XINSURANCE, offered by Evolution Insurance Brokers, has decades of experience providing solutions to insurance for start-up companies and small businesses. We offer a new approach to insurance, with direct access to underwriting expertise, risk management assessments, advice and customer service. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your business protection.


Even you’ve been denied coverage, or you’ve filed bankruptcy or perhaps you’re growing too fast, XINSURANCE can help. For more information about XINSURANCE or insurance for start-up companies, contact us at

*2017, U.S. Small Business Profile,

**Bureau of Labor Statistics,

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.