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PODCAST

I Hate Insurance!

The I Hate Insurance podcast is hosted by Prime Insurance Company and XINSURANCE along with President and CEO Rick Lindsey. The podcast includes product highlights, claims stories, insurance industry insights and education, and guest appearances from employees, producers, and insureds. XINSURANCE website: https://www.xinsurance.com/ XINSURANCE privacy policy: https://www.xinsurance.com/privacy/ XINSURANCE legal disclaimer: https://www.xinsurance.com/legal/

business

All Episodes

01:21:56

Michael Petersen | How to Avoid Coverage Gaps in Your...

I Hate Insurance! ·

2025/09/23

What happens when insurance companies stop acting like partners and start acting like adversaries, leaving businesses, homeowners, and even entire communities stranded after disaster strikes?In this episode of the I Hate Insurance Podcast, Rick and Parker Lindsey are joined by Michael Petersen for a wide-ranging conversation about the state of insurance today. They dive deep into the problems caused by cheap, cookie-cutter policies, multiple coverage gaps, and carriers that dodge risk instead of

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00:57:12

Jon Absey and Andy Chudd | How to Navigate the...

I Hate Insurance! ·

2025/08/19

In this episode of the I Hate Insurance podcast, Rick Lindsey welcomes Jon Absey, the iconic performer who brought the Utah Jazz Bear to life for three decades, and Andy Chudd, a longtime acquaintance and supporter, for a conversation that blends behind-the-scenes NBA moments, daring stunts, charity work, and surprising insights on business and risk.From wild jumps with Nitro Circus to experiences that shaped his approach to life, Jon reflects on the career that made him a sports icon. Rick draws

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00:35:03

Jason Ellis | How to Read People, Avoid BS, and Get...

I Hate Insurance! ·

2025/07/22

Can a career filled with wild turns—from pro skateboarding and MMA fighting to podcasting and stand-up comedy—offer lessons about resilience, reinvention, and the unexpected intersections with insurance?In this episode of the I Hate Insurance Podcast, Rick and Parker Lindsey talk with Jason Ellis, a legendary former athlete and current podcaster and comedian, about his fascinating life journey and how it’s shaped his views on risk, sobriety, and authenticity. From humble beginnings in Australia to

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00:25:58

Chopper Chat Ep. 3 - Austin Freeman

I Hate Insurance! ·

2025/06/26

In this special Chopper Chat episode of the I Hate Insurance Podcast, Rick Lindsey takes to the skies once again—this time with Austin Freeman, co-founder of Freedom Golf Retreat. After a powerful exchange with Austin’s business partner Nafe Latu, Rick continues the journey to explore the mission, mindset, and momentum behind their growing vision.The aerial conversation touches on what it really means to build something with heart, from retreats and community to legacy and leadership. While the

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00:36:34

Chopper Chat Ep. 2 - Nafe Latu

I Hate Insurance! ·

2025/06/24

In this Chopper Chat edition of the I Hate Insurance Podcast, Rick Lindsey takes to the skies with Nafe Latu, co-founder and owner of Freedom Golf Retreat. As they fly over the Utah mountains, they share a candid, unscripted conversation about trust, character, and why business—especially in the insurance world—needs more face-to-face relationships and fewer scripted policies.Rick reflects on why he prefers to work with people he's played golf with, how leadership shows up in everyday actions, and

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00:28:45

Umbrella Policy Pitfalls

I Hate Insurance! ·

2025/06/10

Think you’re covered by your umbrella policy? You might want to take a closer look. In this eye-opening episode of the I Hate Insurance podcast, Rick and Parker Lindsey expose how most insurance policies—especially personal and umbrella coverage—aren’t actually protecting buyers the way they think.What starts as a breakdown of umbrella policies turns into a broader conversation about the dysfunction in today’s insurance industry. From shifting liability to carving out endless exclusions, most

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00:42:41

Chopper Chat Ep. 1 - The Collector

I Hate Insurance! ·

2025/05/22

What happens when you ditch the studio and take the podcast to the skies?In this episode of the I Hate Insurance Podcast, host Rick Lindsey takes flight—literally—for a candid, unscripted conversation with The Collector.Set in a helicopter flying over the Utah mountains, the conversation weaves through a wide range of topics: the broken incentives in insurance, the hidden value in salvage, building shooting ranges, vetting firearms policies, and the frustrations of dealing with clueless lawyers and

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00:40:36

Spot a Bad Insurance Deal with Steve Beultel

I Hate Insurance! ·

2025/04/08

What happens when a seasoned insurance professional gets honest about everything wrong with the industry? In this episode of I Hate Insurance, Rick and Parker Lindsey sit down with Steve Beultel for an honest conversation about why insurance is broken—from the convoluted process of underwriting to claims that make customers feel more like liabilities than partners.Steve shares decades of front-line experience, breaking down how bad incentives, poor communication, and a culture of “saving money” over

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00:24:10

Risk Management 101: Do You Really Need a Waiver?

I Hate Insurance! ·

2025/03/27

Are waivers really worth the paper they’re written on? In this episode of the I Hate Insurance podcast, Rick and Parker Lindsey break down the real value of waivers, whether they actually protect businesses from lawsuits, and what makes a waiver legally enforceable.Rick and Parker dive into common misconceptions about waivers, why early claim reporting is critical, and how the legal system can take advantage of businesses that lack strong defense strategies. They also discuss the difference between

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00:38:38

The Last American Outlaw with Trey Sprinkle

I Hate Insurance! ·

2025/02/25

What does it take to bet on yourself, defy expectations, and carve out your own path? In this episode of the I Hate Insurance podcast, hosts Rick and Parker Lindsay sit down with Trey Sprinkle, the man behind the popular Last American Outlaw YouTube channel and founder of Echo Mav Technologies.Trey’s journey is anything but ordinary. After experiencing bankruptcy during the 2008 housing crisis, he rebuilt his career in insurance claims and storm management, only to later walk away from it all in

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00:40:14

Guns, Growth, and Game-Changing Partnerships with...

I Hate Insurance! ·

2025/02/18

In today's episode of the I Hate Insurance podcast, Rick is joined by Lena Miculek and Sofia Espina, as part of the SHOT Show series. This unique episode offers insights on the firearms industry, within the context of insurance.During the discussion, Rick, Lena and Sofia explore the power of bringing people together through unique, hands-on experiences. They discuss the importance of pushing individuals beyond their comfort zones, creating opportunities for skill-building, and fostering meaningful

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00:27:41

Tom Elpers - The Innovation Edge: Navigating Risks...

I Hate Insurance! ·

2025/02/11

In today's episode of the I Hate Insurance podcast, Rick is joined by Tom Elpers, Field Marketing Manager with Staccato.They discuss the evolution of high-performance products, the importance of setting industry standards, and how businesses must constantly refine their craft to meet the expectations of elite clients. Tom shares insights into the journey of perfecting a product line, the challenges of expanding operations, and the commitment required to push the boundaries of excellence. You'll

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00:17:07

The Great Insurance Gamble: Betting on Trustworthy...

I Hate Insurance! ·

2025/02/04

In today's episode of the I Hate Insurance podcast, Rick challenges conventional wisdom about buying insurance, exposing the reality that many policies are designed to work against the very people who rely on them. You'll hear about the stark difference between "true insurance" and what Rick calls "fake insurance" — policies that vanish the moment a claim is filed. Get ready to rethink how you evaluate coverage, moving beyond price tags and marketing gimmicks to find partners who genuinely stand

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00:26:00

Planning for Tomorrow: Redefining Protection in a...

I Hate Insurance! ·

2025/01/28

In today's episode of the I Hate Insurance podcast, Rick explores the challenges of modern homeowners' insurance, exposing gaps in traditional coverage that leave policyholders vulnerable during natural disasters.From wildfires in California to floods in North Carolina, you'll learn how outdated insurance models fail to meet the real needs of homeowners. The discussion centers on the importance of understanding "perils" and how policies often exclude critical risks like mudslides, wind, and

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00:53:21

Motocross Track Owner Roundtable: How to Choose the...

I Hate Insurance! ·

2025/01/28

In this special episode of the I Hate Insurance Podcast, we bring you a recast of Rick Lindsey’s powerful guest appearance on the Motocross Track Owner Roundtable. This in-depth panel discussion featured leading industry experts—including insurance brokers, legal professionals, and financial advisors—focused on addressing the rising challenges motocross track owners face today. With track closures becoming more common and insurance harder to obtain, the roundtable served as a much-needed forum for

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00:23:56

How to Implement Effective Risk Management Strategies

I Hate Insurance! ·

2025/01/21

Is your insurance partner truly protecting you, or just waiting to let you down? In this episode of the I Hate Insurance Podcast, Rick and Parker Lindsey dive into the world of risk management and reveal how outdated strategies are failing businesses every day. Rick challenges the traditional "throw-them-under-the-bus" approach to liability and explains how a modern partnership-driven strategy can save you money, protect your assets, and give you real peace of mind.From avoiding frivolous claims to

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00:30:13

Motocross Track Owners: What Should You Look for in...

I Hate Insurance! ·

2025/01/14

In today's episode of the I Hate Insurance podcast, Rick dives into the complexities of an industry often misunderstood by the public. This time out, you'll hear a round table discussion he was part of concerning Motocross track owners and the difficulties they've had with the insurance industry.The discussion tackles the nuances of risk management, emphasizing the importance of having the right partners when it comes to protecting valuable assets. They touch on how many businesses in this sector

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00:21:52

Hurricanes and Home Insurance with Cowboy Cerrone and...

I Hate Insurance! ·

2024/10/08

Rick J. Lindsey sits down with Cowboy Cerrone and Dale Brisby to talk about insurance and what homeowners are going through with Hurricane Helene and their insurer. Rick announces XINSURANCE will be matching up to $100,000 in donations provided by Cowboy Cerrone and his supporters in order to provide aide and relief to those directly impacted by Hurricane Helene. Learn more about our involvement here - https://www.xinsurance.com/cares/ Cowboy Cerrone YT Channel:

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00:34:58

How To Lessen The Pain From Insurance Claims

I Hate Insurance! ·

2024/08/26

Insurance claims are a pain! In this episode, the Lindsey family discusses the frustrating world of insurance claims and the distress caused by inadequate coverage and fake insurance.We'll unpack the common pitfalls, share stories of claims gone wrong, and reveal how our unique approach to customized insurance solutions can turn the tide, providing the peace of mind and protection you truly need when things go awry. Don't settle for cheap insurance, get TRU Insurance that actually covers

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00:31:04

Insurance: Deductibles vs. Risk Sharing

I Hate Insurance! ·

2024/07/12

"Deductibles are evil." In this episode, Rick J. Lindsey breaks down the difference between deductibles and risk sharing and gives insight into the advantages of risk sharing.

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31 results

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