I Hate Insurance!

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 cau...

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 experience...

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 an...

In 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 real...

In 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...

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 dysfunct...

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, build...

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-li...

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 ta...

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 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, h...

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...

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 chal...

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...

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...

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...

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 st...

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 havin...

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 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 offeri...

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 n...

"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/

Episode 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. Fea...

Scott 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 inst...

Tony 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/

In 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/

The 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.