Shows
I Hate Insurance!Michael Petersen | How to Avoid Coverage Gaps in Your Insurance PolicyWhat 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 sharing it.From major events like the Rolling Stones concert during COVID to local motocross tracks and shooting ranges struggling to...
2025-09-231h 21I Hate Insurance!Jon Absey and Andy Chudd | How to Navigate the Challenges of Being a MascotIn 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 unexpected parallels between those experiences and the realities of insurance and risk management. Andy also...
2025-08-1957 minI Hate Insurance!Jason Ellis | How to Read People, Avoid BS, and Get Insured RightCan 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 major success in radio and now stand-up comedy, Jason opens up about his personal evolution and the ongoing effort to sta...
2025-07-2235 minI Hate Insurance!Chopper Chat Ep. 3 - Austin FreemanIn this special Chopper Chat episode of the I Hate Insurance Podcast, Rick J. 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 chopper cruises above Utah’s dramatic landscapes, Rick also reflects on his experiences with l...
2025-07-1625 minI Hate Insurance!Chopper Chat Ep. 2 - Nafe LatuIn this Chopper Chat edition of the I Hate Insurance Podcast, Rick J. 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 why the traditional insurance model has lost its soul. Through admiration for Nafe...
2025-06-2436 minI Hate Insurance!Umbrella Policy PitfallsThink 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 companies are designing products that leave individuals and business owners dangerously exposed. Rick and Parker don’t hold...
2025-06-1028 minI Hate Insurance!Chopper Chat Ep. 1 - The CollectorWhat 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 adjusters. With no pretense and no filter, Rick lays out...
2025-05-2242 min
Fireside America with Ryan RobbinsThe Man Revolutionizing Risk with XINSURANCE | Rick J Lindsey | FAP 117In 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 wa...
2025-04-241h 19I Hate Insurance!Spot a Bad Insurance Deal with Steve BeultelWhat 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 delivering value have led to widespread frustration on all sides of the table...
2025-04-0840 minI Hate Insurance!Risk Management 101: Do You Really Need a Waiver?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 gross negligence and ordinary negligence, explaining how business owners can better protect themselves with st...
2025-03-2724 minI Hate Insurance!The Last American Outlaw with Trey SprinkleWhat 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 Lindsey 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 pursuit of something bigger. From working in insurance to training the military, traveling to Ukraine, an...
2025-02-2538 minI Hate Insurance!Guns, Growth, and Game-Changing Partnerships with Lena Miculek and Sofia EspinaIn 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 connections. The discussion touches on the philosophy of selecting the right people rather than just focusing on industries or business types. By partnering with...
2025-02-1840 minI Hate Insurance!Tom Elpers - The Innovation Edge: Navigating Risks and Building Trust in LeadershipIn 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 hear broader themes of accountability, partnerships, and the necessity of building a trustworthy reputation. Ri...
2025-02-1127 min
Boats & Bros PodcastBOATS & BROS: with National/World Champion Offshore Racer JJ TURK (Part 2 of 2)After months of three-way scheduling conflicts, the "Bros" finally catch up with offshore racing champion JJ Turk–who just secured the esteemed and highly coveted honors of National Champion, World Champion and also inducted into the APBA Hall of Champions for the 2024 season. He accomplished all of them for pulling double duty and collecting victories alongside his throttleman, Nick Buis in both Class 5 and Mod Vee classes. Racing for XINSURANCE and his own team, Turk Family Racing, Turk has spent most of the last season atop the race podium, collecting checkered flag after checkered flag. Now, for 2025, Turk...
2025-02-0550 minI Hate Insurance!The Great Insurance Gamble: Betting on Trustworthy SupportIn 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 by you when it matters most. The conversation reveals the tacti...
2025-02-0417 min
Boats & Bros PodcastBOATS & BROS: with National/World Champion Offshore Racer JJ TURK (Part 1 of 2)After months of three-way scheduling conflicts, the "Bros" finally catch up with offshore racing champion JJ Turk–who just secured the esteemed and highly coveted honors of National Champion, World Champion and also inducted into the APBA Hall of Champions for the 2024 season. He accomplished all of them for pulling double duty and collecting victories alongside his throttleman, Nick Buis in both Class 5 and Mod Vee classes. Racing for XINSURANCE and his own team, Turk Family Racing, Turk has spent most of the last season atop the race podium, collecting checkered flag after checkered flag. Now, for 2025, Turk...
2025-01-2944 minI Hate Insurance!Planning for Tomorrow: Redefining Protection in a Risky WorldIn 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 earthquakes.You'll be guided through the pitfalls of undervaluing property for cheaper premiums, only to face co-insurance...
2025-01-2826 minI Hate Insurance!Motocross Track Owner Roundtable: How to Choose the Right Insurance Partner for Your TrackIn 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 track owners to openly discuss their experiences, share concerns, and explore actionable solutions. During the discussion, Rick Lindsey, CEO of Prime Insurance Company, delivers hard-hitting insigh...
2025-01-2853 minI Hate Insurance!How to Implement Effective Risk Management StrategiesIs 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 understanding the importance of customized policies, this episode is packed with practical advice on executing risk management effectively. Whether...
2025-01-2123 minI Hate Insurance!Motocross Track Owners: What Should You Look for in an Insurance Partner?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 struggle with finding proper insurance coverage and the frustrations that come with navigating a system that seems stacked against...
2025-01-1430 min
I Hate Insurance!Hurricanes and Home Insurance with Cowboy Cerrone and Dale BrisbyRick 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 has launched the “XINSURANCE Cares" initiative to provide support and relief to communities affected by the devastating impacts of Hurricanes Helene and Milton, underscoring their commitment beyond offering specialty insurance solutions. The XINSURANCE Foundation has funded $100,000 to support these efforts.Sign up for emails and see exclusive content on the I Hate Insurance Podcast webpage: https://www.xinsurance.com/i-hate-insurance-podcast/Learn more about our involvement here - ht...
2024-10-0821 min
I Hate Insurance!How To Lessen The Pain From Insurance ClaimsInsurance 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 you!Subscribe to the "I Hate Insurance!" Podcast, streaming on Spotify, Apple, and Amazon!Sign up for emails and...
2024-08-2634 min
I Hate Insurance!Insurance: Deductibles vs. Risk Sharing"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.Sign up for emails and see exclusive content on the I Hate Insurance Podcast webpage: https://www.xinsurance.com/i-hate-insurance-podcast/
2024-07-1231 min
I Hate Insurance!Mega Trucking & Rick Vargas Join The 'I Hate Insurance!' PodcastEpisode 11 of the I Hate Insurance Podcast includes an insured of Prime Insurance Company, Mega Trucking, and Rick Vargas from AssuredPartners Transportation.In this episode, we discuss Prime's relationship with Mega Trucking as their insurance provider and we highlight a recent litigation case involving Mega Trucking that both Prime and Mega worked together to fight and successfully win. Featured guests:Erick Rodriguez, Founder & Partner of MegaTruckingBryn Wells, Partner, Mega TruckingAngel Canalejo, Partner, Mega TruckingRick Vargas, Senior Vice President & Sales Leader of AssuredPartners TransportationAbout Mega Trucking LLC:
2024-04-0150 min
I Hate Insurance!Scott Volquartsen and Philip Toppino on the I Hate Insurance PodcastScott Volquartsen, President & Co-Owner of Volquartsen Firearms, Inc.; and Philip Toppino, CEO & Founder of WOFT, join us on the I Hate Insurance Podcast. They sit down with Rick J. Lindsey, President & CEO of XINSURANCE, to talk about the firearms industry and having the right insurance coverage.XINSURANCE provides insurance solutions for the firearms industry including firearms instructors, manufacturers, gun shops and retailers, shooting ranges, gun owners, and more.Sign up for emails and see exclusive content on the I Hate Insurance Podcast webpage: https://www.xinsurance.com/i-hate-insurance-podcast/ About XINSURANCE: https://www.xinsurance.com/About Volquartsen Firearms...
2024-03-0428 min
I Hate Insurance!Tony Sentmanat and Matt 'The Collector' Join the I Hate Insurance PodcastTony Sentmanat and Matt 'The Collector' Collins join the I Hate Insurance Podcast and share their stories about the insurance industry.Sign up for emails and see exclusive content on the I Hate Insurance Podcast webpage: https://www.xinsurance.com/i-hate-insurance-podcast/
2024-03-0146 min
I Hate Insurance!Homeowners Insurance with Alex Zedra and Adam ScherrIn this episode, Rick J. Lindsey, President, CEO, and Chairman of Prime Insurance Company, sits down with Alex Zedra and Adam Scherr known as the WWE Super Star Braun Strowman where they share their experience dealing with homeownership, storms, and homeowners insurance.
Get a quote today at https://www.primeis.com/product-lines/personal-lines/non-standard-homeowners-insurance/
2024-02-2638 min
I Hate Insurance!Homeowners Insurance CrisisThe Homeowners Insurance Crisis is impacting homeowners in Florida and across the country. Learn what TRU Homeowners Insurance can do to help during difficult and uncertain times.
2024-01-2913 min
I Hate Insurance!Pros and Cons of Personal InsuranceThere are two types of insurance, admitted and non-admitted and they both come with their own pros and cons. Learn what type of insurance is best for you.
2024-01-2227 min
I Hate Insurance!All-In-One InsuranceThere are many reasons to hate insurance. One of them is that your insurance doesn’t cover what you thought it would. All-in-one insurance is a game-changer in the insurance industry. Find out what all-in-one insurance is!
2023-11-3016 min
Backyards of Key West Podcast with Mark Baratto225 - XINSURANCE Owner Rick Lindsey on Sponsoring the Powerboat RacesIn this episode, Mark Baratto sits down with XINSURANCE owner, Rick J. Lindsey. We talk about sponsoring the Powerboat races, helicopter flying, and of course, insurance. More on XINSURANCE 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. L...
2023-11-1038 min
I Hate Insurance!Insurance Policies And The Fine PrintAs an insurance producer, one of the worst things that can happen to your client is finding out the insurance policy they thought would protect them in times of need turns out to have exclusions or be inadequate.
Eliminate your worries with Tru Umbrella Insurance and a partnership between the policyholder and the insurance provider. Prime Insurance Company understands the importance of a comprehensive insurance plan that caters to the unique needs of each individual or business.
At Prime, our mission is to be there for you and your clients during both good times and b...
2023-08-2921 min
I Hate Insurance!Rick J. Lindsey Updates The Condition Of The Insurance Market And Our Unique Homeowners ApproachRick sits down with Parker to discuss an update on the insurance market. They touch on what Prime is seeing more of (Property, Trucking, Professional Liability, Healthcare, and more) and our unique all-in-one commercial and Tru Homeowners coverage.
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2023-06-2623 min
The Shop ShowTalking Shop Episode 4: Sean Silveira w/ Parker and WillowIn this episode we talk with Sean Silveira, World Wake Surf Champion, and close friends Parker Lindsey heir to XINSURANCE and Willow Freer.
2023-04-011h 21
The Shop ShowTalking Shop Ep 02: XINSURANCE CEO Rick LindseyIn this episode we talk to a creative man with a different approach to a necessary evil. Insurance is something we all hate but still need! Rick has figured out how to take his customer relationships to the next level and work with his clients as a trusted partnership.
2023-03-171h 12
I Hate Insurance!The Future of the Insurance Industry with Rick Lindsey & Chris WojciechowskiRick J. Lindsey, CEO of Prime Insurance Company, sits down with Chris Wojciechowski, currently at Tiger Risk Partners. Rick and Chris discuss the current state of the surplus lines insurance market and where Rick projects Prime Insurance Company will be in the next 10 years.
2023-01-141h 46
I Hate Insurance!Prime Highlights Ep. 1 - Property Insurance Market - How Hurricane Ian Will Affect Florida HomeownersRick Lindsey & Jenna Contreras discuss the current state of the property market, the Florida homeowners market, and the effect Hurricane Ian will have on Florida property insurance. If you have any questions or are interested in a quote, contact us today.
RJL@primeis.com
2022-10-2822 min
The Andrew Branca ShowLaw of Self Defense News/Q&A Show: Jan. 14, 2021Welcome to this episode of our ONLY open-access content, our weekly News/Q&A Show. A transcript of the show is (or soon will be) available below my signature, for those who prefer to read rather than view. Also, Law of Self Defense Members can access the show in audio form in the members-only Law of Self Defense Podcast.In today's News/Q&A Show for January 14, 2020 we touched on a broad range of questions submitted for the show, as well as questions...
2021-01-1457 min