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...
Jun 26, 2025•26 min
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, ...
Jun 24, 2025•37 min
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 c...
Jun 10, 2025•29 min
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 lawyer...
May 22, 2025•43 min
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”...
Apr 08, 2025•41 min
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 bet...
Mar 27, 2025•24 min
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, he rebuilt his career in insurance claims and storm management, only to later walk away from it all in...
Feb 25, 2025•39 min
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 meaningf...
Feb 18, 2025•40 min
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...
Feb 11, 2025•28 min
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...
Feb 04, 2025•17 min
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 ear...
Jan 28, 2025•26 min
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 fo...
Jan 28, 2025•53 min
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 claim...
Jan 21, 2025•24 min
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 secto...
Jan 14, 2025•30 min
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 offering specialty insurance solutions. The XINSURANCE Foundation has funded $100,000 to support these efforts....
Oct 08, 2024•22 min•Season 1Ep. 14
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 you!Subs...
Aug 26, 2024•35 min•Season 1Ep. 13
"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/
Jul 12, 2024•31 min•Season 1Ep. 12
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. Featured guests: Erick Rodriguez, Founder & Partner of MegaTrucking Bryn Wells, Partner, Mega Trucking ...
Apr 01, 2024•50 min•Season 1Ep. 11
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 instructors, manufacturers, gun shops and retailers, shooting ranges, gun owners, and more. Sign up for e...
Mar 04, 2024•28 min•Season 1Ep. 10
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/
Mar 01, 2024•46 min•Season 1Ep. 9
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/
Feb 26, 2024•38 min•Season 1Ep. 8
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.
Jan 29, 2024•13 min•Season 1Ep. 7
There 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.
Jan 22, 2024•27 min•Season 1Ep. 6
There 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!
Nov 30, 2023•16 min•Season 1Ep. 5
As 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 mi...
Aug 29, 2023•21 min•Season 1Ep. 4
Rick 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. Follow us on Facebook, Instagram, LinkedIn, and Twitter. #insurance #insuranceindustry #insurancebrokers #insurancepolicy #claimsmanagement #insuranceclaim #partnership #insuranceagents #insurancesolutions #businesspartner...
Jun 26, 2023•23 min•Season 1Ep. 3
Rick 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.
Jan 14, 2023•1 hr 46 min•Season 1Ep. 2
Rick 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
Oct 28, 2022•23 min•Season 1Ep. 1
