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Your “Just in Case” Insurance

I used to get made fun of as a kid.  I was the one who came to school with a backpack as big as I was, filled to its capacity with school supplies.  From pencils to gauze pads (just in case my pencil slipped when writing notes and I cut my hand, of course), I had it all tucked nicely into my scoliosis maker.

I blamed it on my mom.  I told my snickering peers that she was overprotective and I had to lug around my “just in case” bag to keep her off my back.  But really, it was all me.  I was the epitome of a boy scout – always prepared no matter what situation I was in.  It was in my blood and still is.

As a child it made people laugh, but now that I’m an adult my always-be-prepared nature has saved me time and again.  Take my animal insurance for my pitbull as an example.  My little buddy is as sweet as can be, but you never know what can happen.  And because of that uncertainty, I’m prepared with liability insurance in case my dog is unexpectedly aggressive.

If only all were as prepared.  Recently, a woman in Colorado sued a couple after their dog bit her.  I bet the dog owners wished they had had a “just in case” insurance policy to cover them, especially since the lawsuit alleges the dog was known to be vicious before the attack.

At XINSURANCE, we can be a resource in your “just in case” bag with our liability insurance solutions that cover everything from dog bites to your current insurance policy’s exclusions.  We fill in the holes and cover all the gaps because we understand that being prepared is a lot better than taking risks and potentially losing everything.

So whether it’s at home, at work, or at play, XINSURANCE has got you covered.

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.