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Insurance for Tiki Boats

Tiki Boat Cruises: Fun or Fiasco?

Insurance for Tiki Boats

It’s the latest phenomenon to hit the water — tiki boats! They’re all the rage in Key West, Lake George, Lake Winnipesaukee, Newport Beach and Pittsburgh’s three rivers. What’s a tiki boat? It’s a floating tiki bar with barstools and a captain at the helm. And just like its counterpart on terra firma, it’s topped with plenty of straw for boatloads of shade and boasts a wraparound bar stocked with alcohol and a blaring music system. Some tike cruises cater to families, others to millennials, and just about anyone who wants to cruise in style. For both individuals and businesses, our customized liability insurance for tiki boats will be the only thing to keep the party going in case of an accident.

Although new to the waters, charter boat services and tours are now available on tiki boats. Boat enthusiasts are even getting in on the action and building their own personal tiki boat. But owner beware! There are built in hazards just like any boat. What if it topples or a passenger falls into the water, or it slams into the dock or another boat? Add alcohol to the equation and you could find yourself at the other end of a lawsuit. The only way to protect yourself — and your passengers — is with specialty liability insurance from XINSURANCE.


XINSURANCE, powered by Evolution Insurance Brokers, an E&S brokerage, has decades of experience providing insurance solutions for the recreational industry, from Colorado river runners and guides to snowmobile and watercraft outfitters — anything that has “fun” written all over it.

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 personal and business protection.

Even if you’ve been canceled or denied coverage, or you’ve filed bankruptcy or perhaps you’re growing too fast, XINSURANCE can help. So no matter the risk or history, you can rest easy we have you covered this summer — and every summer!

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For more information about XINSURANCE, contact us.

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.