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 giant bag.

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 the situation. It was in my blood and still is.

The Importance of Comprehensive Insurance Coverage

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 solution for my pit bull, for 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 a liability insurance solution in case my dog is unexpectedly aggressive.

Costly Incidents

If only all were as prepared. Recently, a man in New York City filed a lawsuit against a couple in his building after an emotional support dog bit him. I bet the dog owners wished they had had a “just in case” insurance solution to cover them, especially since the dog reportedly had previous instances of aggressive behavior, like lunging at tenants.

Unfortunately, this recent dog bite lawsuit is far from unique. According to the American Veterinary Medical Association, about 4.5 million people receive dog bites annually nationwide. The insurance industry pays more than $1 billion annually in homeowners insurance liability claims from these bites.

Coverage Gaps

Without the right coverage solution, you may face high costs. Regular policies focus on standard risks, but they are not comprehensive. For example, homeowners insurance covers liabilities for injuries caused while away from your property. However, regular homeowners insurance may not always cover a dog bite, particularly if the dog is considered an aggressive breed. In other cases, the insurance company may exclude a dog from coverage if it has had previous bite incidents.

The same idea applies to other unique or difficult-to-place risks, such as gun ownership or a high-risk lifestyle. In these cases, you can find tailored solutions that may provide coverage that meets your needs outside traditional policies.

Our Comprehensive Insurance Solutions

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

So whether at home or play, XINSURANCE can help you find solutions. We work with you to find various types of personal liability protection that can help safeguard you if you engage in activities that increase your liability risk. Here are some other specific types of solutions we can find for you:

• Animal liability solutions: This solution can protect your pets, even those considered dangerous breeds and those with previous bite or claims history.
• TRU Umbrella solutions: This unexpected events insurance solution can fill in the gaps in your policy, building a flexible coverage solution that suits your lifestyle.
• Firearms liability solutions: Be a more responsible gun owner by getting concealed carry or other firearms liability insurance solutions.

Get the Coverage Solution You Need

XINSURANCE is a reliable partner, helping you find coverage solutions for “just in case” situations. Accidents happen, and we’ll help you prepare. Contact us online to get a quote or call 877-585-2853.

Last updated on February 18, 2025

Authored 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.