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xinsurance all in one

XINSURANCE – “All-In-One” For Businesses


We are excited to announce a new “All-in-One” policy. Instead of buying separate insurance policies for each type of coverage like Commercial/Business Liability, Liquor Liability, Assault & Battery, Active Shooter, etc., we are offering one policy for all liability coverages with one insurance company. All liability coverages (excluding Workers Comp) in one place, with one policy, and with one insurance company! Our “All-in-One” approach provides better claims results than separate policies. Having separate policies fuels litigation raising your loss run numbers. Limit options range from $50,000-$20,000,000.


  • Commercial/Business Liability
  • Liquor Liability
  • Assault & Battery (defense only)
  • Sexual Abuse & Molestation (defense only)
  • Active Shooter
  • And much more

Eligible Businesses/Classes

  • Restaurants
  • Bars/Taverns
  • Clubs
  • Concerts
  • Special Events
  • Churches
  • Government Agencies
  • And much more


XINSURANCE Powered By Evolution Insurance Brokers, LC has provided unique coverages for over 40 years.

If you are interested in getting a quote for our All-In-One coverage, please contact us at 1.877.585.2853 or to get started!


XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus line insurance brokerage. XINSURANCE is a DBA of EIB, which is domiciled in and has its principal place of business in Sandy, Utah. This insurance product is offered by an unlicensed surplus lines insurer.  The licensed brokers for EIB are: Rick J. Lindsey (all states except CA) (NPN 91653) and Mike Fennell (only CA) (NPN 1435429).

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.