Business Details
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Customized Liability Insurance Solutions
XINSURANCE was founded on the principle that no one should fear being under-covered. We specialize in customized liability insurance solutions that address gaps in traditional homeowners, employers, and business insurance policies. With over 40 years of combined experience on our underwriting team and more than 90,000 policies issued, we provide tailored coverage for unique risk classes, high-value assets, and complex liability exposures. Our approach combines flexible underwriting, limits up to $20 million, and a commitment to standing by clients when claims arise.We serve individuals and businesses nationwide through offices in Utah, Illinois, Florida, and Pennsylvania, offering 24/7 protection and support. Our team prioritizes transparency, personalized service, and proactive risk management to ensure clients receive comprehensive coverage where traditional policies fall short.
Services
Personal Liability Insurance
Commercial Auto Coverage
TRU Umbrella Policies
Animal Liability Protection
Outdoor Recreation Insurance
Highlights and features
- We offer 40+ years of experience in specialty insurance underwriting
- Our team provides customized solutions for unique risk classes and high-value assets
- We operate with a partnership approach, fighting for clients when claims arise
- Flexible underwriting consolidates multiple coverages into comprehensive plans
- 24/7 protection and support available nationwide
What people say
Excellent product with total coverage
Very easy to deal with
Quick email responses
Stand by us and fight for us
Trusted advisor status
Services
Personal Liability Insurance
XINSURANCE provides tailored personal liability insurance to protect individuals from gaps in standard homeowners or renters policies. Our coverage addresses unique risks like dangerous dog breeds, recreational vehicles, and high-value assets. With limits up to $20 million and flexible underwriting, we ensure comprehensive protection for personal exposures that traditional insurers often exclude.
Commercial Auto Coverage
Specialized commercial auto insurance covers trucks, buses, limousines, and specialty vehicles for businesses facing challenges with traditional carriers. Policies accommodate high-risk operations including long-haul trucking and emergency roadside services. Our underwriting team addresses unique industry needs while providing nationwide coverage and claims support tailored to commercial transportation risks.
TRU Umbrella Policies
TRU Umbrella insurance fills gaps left by standard umbrella policies through expanded coverage for excluded risks. This solution addresses modern liability challenges including cyber exposures, employment practices, and environmental hazards. With customizable limits and terms, TRU Umbrella provides layered protection that adapts to evolving legal and financial landscapes for both personal and business applications.
Animal Liability Protection
XINSURANCE offers specialized liability insurance for animal-related risks including dangerous dog breeds, service animals, and working dogs. Coverage extends to property damage, bodily injury, and legal defense costs associated with animal ownership. This solution benefits homeowners, businesses, and professionals requiring protection beyond standard policy exclusions for animal-related incidents.
Outdoor Recreation Insurance
Tailored insurance for outdoor recreation businesses protects against liability risks in high-adrenaline activities like paragliding, water sports, and mountain guiding. Policies cover equipment, premises, and operational risks while accommodating the unique needs of adventure tourism operators. Our underwriting approach balances comprehensive protection with affordability for businesses in this specialized market segment.
People
Richard Bryant
Chief Underwriting Officer
With decades of insurance industry experience, Richard Bryant leads XINSURANCE's underwriting operations, focusing on innovative risk assessment and policy customization for complex liability scenarios.
Maria Martin
Senior Vice President of Underwriting
Maria Martin brings extensive underwriting expertise to XINSURANCE, specializing in developing tailored insurance solutions for high-risk clients while maintaining strict adherence to regulatory standards.
Rick J. Lindsey
President & CEO
As founder and CEO, Rick J. Lindsey established XINSURANCE's mission to provide reliable coverage where traditional insurers fail, leveraging his deep industry knowledge to guide company strategy and client relations.
David McBride
Executive Vice President of Claims
David McBride oversees XINSURANCE's claims operations, ensuring fair and efficient resolution processes that align with the company's commitment to standing by policyholders during critical times.
Cindy
Field Underwriter
Cindy serves as a dedicated field underwriter, building strong client relationships while delivering customized insurance solutions that address specific industry challenges and risk exposures.
Questions
What types of coverage gaps does XINSURANCE address?
We specialize in filling gaps related to high-risk activities, unique assets, and excluded liabilities in traditional policies, including dangerous dog breeds, recreational vehicles, and commercial transportation risks.
How can I get a customized insurance quote?
Contact our underwriting team directly at 877-585-2853 or submit an online application through our website for personalized policy options tailored to your specific needs.
Do you offer coverage for hard-to-insure businesses?
Yes, we specialize in providing insurance solutions for businesses and individuals rejected by traditional carriers due to unique risk profiles or previous claims history.
What areas do you serve?
XINSURANCE operates nationwide with local offices in Utah, Illinois, Florida, and Pennsylvania, offering coverage in all 50 states and US Virgin Islands.
How does your claims process work?
We handle claims with transparency and professionalism, providing straightforward assessments and fair resolutions while advocating for policyholders throughout the entire process.
Can I combine multiple policies under one plan?
Our flexible underwriting allows consolidation of various coverages into comprehensive plans, streamlining protection for both personal and commercial insurance needs.
