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The Trouble with Trouble

No one wants to get into trouble. Nobody wakes up and thinks, “Boy. Today, I think I’d like to test the limits of my legal and insurance coverage. Honey? Get the 4-wheelers out! We’re going to test them out on that golf course.”

Trouble is a thing that pops up when least expected. The trick to taking care of trouble is making sure that as many of these little gaps as possible are not problem areas.

Without being alarmists, it can be surprising the things that American adults can be found personally liable for. A large lawsuit can boil down to something simple like:

  1. A household pet that could pose a threat to neighbors.
  2. Owning recreational equipment, like a trampoline or swimming pool.
  3. Keeping firearms at home.
  4. Working at a secondary source of income.
  5. Volunteering in youth sports camps.
  6. Participation in high-adventure activities.
  7. Have special skills (i.e. medical professional) that may have call to used off-duty or outside the traditional work environment.

In these conspicuous areas of need lies a chance to get what’s called gap coverage, a form of lawsuit protection that acts primarily as supplemental liability insurance. This gap insurance may be what protects you in an employee retaliation suit, or in a personal wrongful discharge lawsuit, or additional medical liability or small business insurance. In the event of legal problems, this gap coverage will step in and help you preserve more of your own assets.

To find out where you might be open to the risk of lawsuits, check out this handy test at XINSURANCE that tells you where you might be held personally liable…

…at home.…at work.…and at play.

Call XINSURANCE at 877-585-2853 from Monday to Friday, or email one of our agents at, and they can help you find which areas of life leave you in need of good legal coverage because nobody wants trouble.

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.