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The Man Revolutionizing Risk with XINSURANCE | Rick J Lindsey | FAP 117
In this gripping episode of Fireside America, Ryan Robbins sits down with insurance industry renegade Rick J. Lindsey, the CEO of XINSURANCE and Prime Insurance Company, to expose the hard truth about how America’s insurance system is failing its policyholders. With over four decades in the industry, Rick unpacks what makes him one of the most disruptive and effective figures in high-risk insurance today.
From helicopter ski guides and truckers to high-net-worth homeowners and celebrities like Jessica Simpson, Rick Lindsey has built his career around saying yes to clients the big-box insurance carriers walk away from. He doesn’t just issue policies—he partners with his insureds and goes to war with them when the legal system comes knocking.
In this raw and no-nonsense conversation, you’ll hear:
Why most home, auto, and commercial policies are “cans of corn”—mass-produced, one-size-fits-all products that collapse when you file a serious claim
Why traditional insurance companies hide behind fine print, deductibles, and third-party adjusters
How Rick uses real risk-sharing to align with clients—and why XINSURANCE will fight in court when others fold
The truth behind multi-million-dollar claims, personal guarantees, and the internal dysfunction of most carriers
What it takes to build a $500M insurance company from scratch
Why deductibles are outdated and dangerous for business owners, athletes, entertainers, and real estate investors alike
How the legal system weaponizes weak insurance policies against entrepreneurs—and how to defend yourself
Why buyers need to stop shopping on price and start asking: “Will this partner show up on my worst day?”
Rick also shares behind-the-scenes stories of going to the Supreme Court, refusing to settle frivolous lawsuits, and how he handles over $30 million in active litigation. This episode is a must-watch for business owners, risk managers, and anyone who wants to protect their assets, reputation, and future.
If you’re searching for custom liability insurance, personal risk management, alternative business insurance, or insight from a real insurance CEO—this episode is packed with real-world takeaways.
👉 Learn why XINSURANCE isn’t just another policy—it’s a partnership built for when shit hits the fan.
Timestamps:
0:00 – Rick J. Lindsey Joins Fireside America
2:00 – Childhood, Sports, and Growing Up with Tough Lessons
7:00 – The Problem with Modern Parenting and Trophy Culture
12:00 – How Early Struggles Built Mental Grit and Business Acumen
19:00 – Entering the Insurance Business at 19 and Learning on the Job
26:00 – Taking Over Prime Insurance from Wall Street Giants
35:00 – Why Traditional Insurance Policies Fail at the Worst Time
43:00 – Replacing Deductibles with Risk-Sharing Agreements
50:00 – Real-Life Lawsuit Scenarios and Fighting in Supreme Court
59:00 – Disrupting the Insurance Industry and Redefining the Model
1:06:00 – The Role of Advertising, Boat Racing, and Brand Visibility
1:13:00 – Final Thoughts: Common Sense, Loyalty, and Going All In
Socials:
Instagram:
Ryan Robbins
@ryandrobbins
Rick J Lindsey
@ricklindsey74
@xinsurance
@xinsurance_sports
Website:
www.xinsurance.com
View all episodes
By Fireside America
4.9
3434 ratings
In this gripping episode of Fireside America, Ryan Robbins sits down with insurance industry renegade Rick J. Lindsey, the CEO of XINSURANCE and Prime Insurance Company, to expose the hard truth about how America’s insurance system is failing its policyholders. With over four decades in the industry, Rick unpacks what makes him one of the most disruptive and effective figures in high-risk insurance today.
From helicopter ski guides and truckers to high-net-worth homeowners and celebrities like Jessica Simpson, Rick Lindsey has built his career around saying yes to clients the big-box insurance carriers walk away from. He doesn’t just issue policies—he partners with his insureds and goes to war with them when the legal system comes knocking.
In this raw and no-nonsense conversation, you’ll hear:
Why most home, auto, and commercial policies are “cans of corn”—mass-produced, one-size-fits-all products that collapse when you file a serious claim
Why traditional insurance companies hide behind fine print, deductibles, and third-party adjusters
How Rick uses real risk-sharing to align with clients—and why XINSURANCE will fight in court when others fold
The truth behind multi-million-dollar claims, personal guarantees, and the internal dysfunction of most carriers
What it takes to build a $500M insurance company from scratch
Why deductibles are outdated and dangerous for business owners, athletes, entertainers, and real estate investors alike
How the legal system weaponizes weak insurance policies against entrepreneurs—and how to defend yourself
Why buyers need to stop shopping on price and start asking: “Will this partner show up on my worst day?”
Rick also shares behind-the-scenes stories of going to the Supreme Court, refusing to settle frivolous lawsuits, and how he handles over $30 million in active litigation. This episode is a must-watch for business owners, risk managers, and anyone who wants to protect their assets, reputation, and future.
If you’re searching for custom liability insurance, personal risk management, alternative business insurance, or insight from a real insurance CEO—this episode is packed with real-world takeaways.
👉 Learn why XINSURANCE isn’t just another policy—it’s a partnership built for when shit hits the fan.
Timestamps:
0:00 – Rick J. Lindsey Joins Fireside America
2:00 – Childhood, Sports, and Growing Up with Tough Lessons
7:00 – The Problem with Modern Parenting and Trophy Culture
12:00 – How Early Struggles Built Mental Grit and Business Acumen
19:00 – Entering the Insurance Business at 19 and Learning on the Job
26:00 – Taking Over Prime Insurance from Wall Street Giants
35:00 – Why Traditional Insurance Policies Fail at the Worst Time
43:00 – Replacing Deductibles with Risk-Sharing Agreements
50:00 – Real-Life Lawsuit Scenarios and Fighting in Supreme Court
59:00 – Disrupting the Insurance Industry and Redefining the Model
1:06:00 – The Role of Advertising, Boat Racing, and Brand Visibility
1:13:00 – Final Thoughts: Common Sense, Loyalty, and Going All In
Socials:
Instagram:
Ryan Robbins
@ryandrobbins
Rick J Lindsey
@ricklindsey74
@xinsurance
@xinsurance_sports
Website:
www.xinsurance.com
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