Go beyond generic policies with customized coverage solutions that understand your unique lifestyle and risks.
From the adrenaline-fueled rush of extreme sports to the serene connection of volunteering, the companionship of a loyal dog to the responsibility of firearms ownership, and the nurturing guidance of an instructor – personal liability insurance serves as an invisible shield, empowering those with full and active lifestyles to embrace their passions with confidence and protection against unexpected risks.
To safeguard your lifestyle, assets, and financial future, partner with someone who ensures you have the right personal protection against incidents or claims. Negligence, recklessness, or omissions can lead to lawsuits in a wide range of activities, from daily routines to extreme risks. Identifying and filling insurance gaps are crucial to avoid costly damages from potential lawsuits. XINSURANCE is your committed insurance partner, providing customized liability insurance solutions tailored to your needs.
Personal Liability Insurance is particularly important for individuals with assets that could be targeted in a lawsuit, or those who engage in activities that increase their risk of liability. That includes:
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Coverage for claims regarding negligent acts and more. Learn more.
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.
Coverage for claims against you regarding assault and/or battery.
Coverage for claims against you regarding sexual abuse and/or molestation.
Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.
*Available in most states
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
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We’ll schedule a call with you to consult on your needs, and collect more details
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
It can provide financial protection by covering legal costs and damages if you are found legally responsible for injuring someone or damaging their property.
This depends on your assets, lifestyle, and risk exposure. We would recommend enough coverage to protect all your assets.
Umbrella insurance provides additional coverage beyond the limits of standard personal liability insurance, offering extra protection. Learn more about our TRU Umbrella insurance solution.
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
Anyone who answers “yes” to these two questions:
If “yes” to both, this means that most likely you could be held liable on a personal level if a coworker, neighbor, or even stranger found any reason at all to pursue a lawsuit.
What are you supposed to do with this personal liability hanging over your head? You might want to consider personal liability insurance. What is personal liability insurance?
Personal liability insurance: Insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t.
Perhaps there’s a misunderstanding at work with an employee; maybe your neighbor’s child falls off your trampoline; maybe a buddy falls off your ATV and ends up paralyzed. No matter the situation, personal liability insurance is in place to help cover gaps in your traditional insurance coverage, minimize exposure and maximize peace of mind. And thanks to providers like XINSURANCE, personal liability insurance is now possible for you at work, at home, at play.
There are things that are usually not covered under your homeowners insurance policy that may surprise you. We’ve listed them below but remember, XINSURANCE can offer specialty insurance solutions to the fill gaps of what isn’t covered on your homeowners policy.
Specialized personal liability coverage added to your home insurance policy will ensure that your earthly establishment is fully covered.
Accidents can happen, and so can seemingly innocent actions that cause unintended consequences. You may feel that your automobile, home, and professional insurance policies have you covered, but you’re still vulnerable to their exclusions and policy limits.
Here are examples of litigation scenarios:
Costs can be influenced by your coverage limit, location, claims history, and specific risk factors tied to your lifestyle or property. It’s best to contact us and tell us more about you so we can provide a personalized quote.
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.