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Protect yourself with a high risk coverage insurance plan

May 21st 2015 at 3:16 AM

Asset protection and personal liability insurance can be a pretty confusing process. Many policies are too basic, and don’t cover high risk. Others can be baffling, protecting some assets in some circumstances, but mysteriously not protecting others. Another, dangerously costly, possibility is that your coverage simply may not be enough to cover real loss values or specific circumstances.

If you’re having trouble finding the right insurance, or simply can’t get the coverage you want, the most likely reason is that you’re dealing with mainstream insurers offering basic insurance coverage. That’s the problem, in a nutshell. Basic coverage simply can’t cover high risk assets.

Typically, normal basic coverage is created on a One Size Fits All basis. It’s a cookie cutter type of insurance, and it’s exactly what you don’t need, when dealing with high risk exposure. This type of coverage cuts out at certain values, and in many cases is ridiculously inadequate when dealing with risk to high value assets. If you have unique assets to protect, basic coverage is basically useless.

The good news is that you can get the right cover, using insurance brokers. Case in point – There’s a company in Virginia called Xinsurance which offers high risk indemnity plans for customers across the US. This is what’s called “custom” insurance, and even applies to pets.

They provide integrated, custom made insurance for all types of needs. To give you some idea of their range of coverage, they cover:

  • Fitness/ training instructor,
  • Asset protection,
  • Exotic pets,
  • Pit-bull insurance,
  • Pit-bull liability insurance,
  • Equipment rental,
  • Avalanche control,
  • Independent contractor,
  • Yoga,
  • Security services,
  • Entertainer liability,
  • Competitive events,
  • Volunteer liability,
  • Board member liability,
  • Property assets,
  • Rescue and evacuation,
  • Public service,
  • Medical professionals

If you’re getting the impression that they’re a one-stop shop for custom insurance, you’re right. Their integrated asset, business and personal liability coverage is ideal for high risk liability environments. They evaluate real cost liabilities, and deliver a package to meet specific needs. This cover is scalable, too, and you can upgrade it as required.

For more information, and to see how customized insurance works, see their website here at

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