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Thinking Ahead for the Unthinkable

Like most prudent adults, we all try to live fairly responsibly, right? We’re careful with our pets, mindful of our guests, and don’t participate in anything too outlandish; so it would stand to reason that we might not think we need to invest in any additional insurance.  But the truth is that accidents can and do happen, and we should be in a position to indemnify those who we inadvertently hurt. Also, we mustn’t turn a blind eye to the litigious nature of our society. More people today are filing lawsuits than ever before; and in many cases, they are winning.

Insurance, by its very nature, is understandably a difficult proposition for many consumers to fully appreciate. After all, it’s really the only product that you will ever purchase hoping you will never have to use it. But the harsh reality is that there are many unforeseen circumstances that can befall even the most conscientious among us and we must be prepared. Some of these situations can include:

  • Animal bites: Even the sweetest of pets can sometimes get startled, defensive, or play a little too rough without meaning to.
  • Slips and falls: No one plans to trip on the porch steps during your annual Memorial Day barbecue, but something as innocent as a gentle spring rain can render conditions just right for disaster.
  • Accidental property damage: Even when we have the best intentions, unintentional things can occur. Perhaps the lawn mower slings a rock; or that tree limb you are trimming has a slightly longer reach than you had anticipated, causing it to land on the front of your neighbor’s new car.
  • Injured children: Children, by nature, are very curious and highly energetic. If your home has a swing set, pool, or trampoline, there is a potential for a child to get injured.
  • Swimming pool mishaps: Many homeowner’s policies have very strict guidelines when it comes to pools. Companies often require a pool to be fenced, have no diving board or slide, and may even restrict the depth before they will afford coverage. Swimming pools are a wonderful form of recreation and exercise, but can also be the culprit of large liability claims.

It is important to note that while some of these occurrences are covered under the homeowner’s policy, some companies may exclude such things as unfenced pools, certain breeds of dog, or trampolines. It is also important to consider that in the event of a large claim, be it a homeowners or auto claim, your liability limits may not be sufficient to cover all of the other party’s damages in full. Personal liability insurance could potentially help to extend the reach of your current home or auto liability. It is for these reasons that you should consider specialized personal liability coverage, not only to protect you, your family, and your assets, but to protect them correctly.  We have markets that can help you to insure those difficult-to-place exposures. Please, contact us to discuss your unique situation and see how we can help you be better prepared for those unforeseen circumstances.

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.