I Hate Insurance Podcast
The CEO of a specialty insurance firm interviews people in high-risk fields to critique the modern insurance industry and promote his own partnership model.
This is a content marketing podcast for host Rick Lindsey's specialty insurance companies, XINSURANCE and Prime Insurance. Each episode features a guest from a high-liability profession—like offshore boat racing, crude oil trucking, or adventure sports—whose work is used as a case study. The conversation serves as a launchpad for Lindsey's monologues on the failures of the traditional insurance market and his philosophy of forming a true partnership with the insured.
“The host is an active CEO and underwriter using his own clients and sponsored partners as live case studies. Instead of a neutral journalistic stance, the show is an explicit platform for his contrarian, anti-litigation philosophy on handling claims.”
Who hosts this show
Rick J. Lindsey is the President, CEO, and Chairman of Prime Insurance Company and XINSURANCE, which specialize in excess and surplus lines insurance for high-risk individuals and businesses. With nearly 40 years in the industry, he started in his father's insurance firm's mailroom and worked his way through various roles like underwriter, risk manager, and claims specialist. He founded Prime Insurance Company to provide coverage for hard-to-place risks and to challenge the industry's standard practice of quickly settling claims, instead opting to fight frivolous lawsuits.
Credentials & credits
- President, CEO, and Chairman of Prime Insurance Company
- President, CEO, and Chairman of Prime Property & Casualty Inc.
- CEO of XINSURANCE
- Licensed surplus lines broker in all 50 states
- Specialty lines underwriter
- Risk Manager
Other ventures
- Prime Insurance Company
- XINSURANCE
- Prime Property & Casualty Insurance Inc.
- Evolution Insurance Brokers, LC
What kind of podcast
When new episodes drop
- 01The Hidden Costs of Insuring Motocross TracksApr 1, 2026 · 55s
- 02The biggest mistake people make when buying insurance?Mar 30, 2026 · 17s
- 03Offshore Racing Secrets: Speed, Risk & Chaos | Rick, J.J. & NickMar 26, 2026 · 58 min
- 04What REALLY Happens Before Race Day?! | Rick Lindsey & Offshore RacersMar 25, 2026 · 32 min
- 05
- 06
- 07
- 08
Notable episodes
- 01When Trucking Companies Get Sued: Accidents, Lawyers & Nuclear Verdicts | Rick & Spencer
A clear example of the show's format: using a trucking COO's experience to launch into a detailed monologue on fighting liability claims and 'benching the lawyers'.
- 02Offshore Racing Secrets: Speed, Risk & Chaos | Rick, J.J. & Nick
Showcases the host's relationship with sponsored partners, blending a casual chat about high-speed boat racing with his core insurance messaging.
- 03When Adventure Meets Liability: Hunting, Scams & Legal Risk | Rick Lindsey & Hannah Barron
Demonstrates the breadth of 'high-risk' guests, connecting outdoor activities like noodling and hunting to the universal need for specialized liability coverage.
What you'll be asked on this show
Rick Lindsey's interviews are a means to an end: illustrating his insurance philosophy. He typically opens by having the guest introduce their high-risk profession. He then probes with practical, operational questions about their equipment, processes, and competitive environment, such as "What kind of weight limits do your trucks have to carry?" or "What changes has Jean made to the boat?". These details serve as a foundation for his larger arguments against the traditional insurance model. He uses the guest's real-world risks to pivot into monologues about the importance of fighting frivolous lawsuits and having an insurer as a true partner, a concept he calls "benching the lawyers."
The style is informal and conversational, often with the host smoking a cigar. Rick Lindsey dominates the conversation, functioning more as an expert commentator than a traditional interviewer. He uses the guest's experiences to illustrate his own business philosophy, making the show feel like a recorded consultation.
Questions the host keeps coming back to
9 cataloguedIf you're going on this show as a guest, expect some version of each of these. Each note explains when the host reaches for it.
origin
1- Q.01
“Can you introduce yourself and what you do?”
This is his standard opening to establish the guest's profession, which is always the high-risk case study for the episode.
process
3- Q.01
“Tell us about the new [boat/truck/equipment].”
He asks this to understand the specific tools of the guest's trade and their history.
- Q.02
“What kind of [weight limits/technical specs] are you dealing with?”
This question helps quantify the specific operational risks the guest faces.
- Q.03
“How much work or preparation do you have to do before a race or job?”
He uses this to understand the scope of the guest's pre-event diligence and readiness.
industry
2- Q.01
“Who do you think your biggest competition is this season?”
This question serves to gauge the guest's perspective on their competitive landscape.
- Q.02
“What are your thoughts on [another team's] chances this year?”
This question is used to get the guest's opinion on the broader competitive field.
personal
1- Q.01
“What was your favorite part of last season?”
He asks this to elicit a personal highlight or success story from the guest's recent past.
future
1- Q.01
“When do you think you'll be able to practice or get started?”
This question assesses the guest's timeline and readiness for an upcoming event or project.
craft
1- Q.01
“Have you ever driven this specific type of [boat/vehicle] before?”
He asks this to gauge the guest's direct, hands-on experience with their equipment.
Signature segments
- · Host refers to himself as the 'insurance preacher'.
- · Critiquing the traditional insurance model of settling claims.
- · Using guests as case studies for his company's insurance philosophy.
- · Advocating for a "partnership" approach to insurance.
- · The host is often heard smoking a cigar during interviews.
Topics covered repeatedly
Who gets booked here
Guests are typically clients or sponsored partners of the host's companies, XINSURANCE and Prime. They are entrepreneurs or professionals in high-risk fields like motorsports, trucking, or outdoor adventuring.
- JJ Turk & Nick Buison Offshore Racing Secrets: Speed, Risk & Chaos | Rick, J.J. & Nick
- Spencer Turnbowon When Trucking Companies Get Sued: Accidents, Lawyers & Nuclear Verdicts | Rick & Spencer
- Hannah Barronon When Adventure Meets Liability: Hunting, Scams & Legal Risk | Rick Lindsey & Hannah Barron
- Jason Houseon When Athletes Chase the Money: Loyalty, Lawsuits & Long-Term Risk | Rick Lindsey & Jason House
Where to find this show
Audience & reach
The podcast is owned and produced by Prime Insurance Company and XINSURANCE and serves as a primary marketing tool. The entire premise is to demonstrate the value of their unique, partnership-based approach to specialty insurance by showcasing real-world client stories.
Subscriber and view counts are pulled live from YouTube and re-verified on a 30-day cycle. Listener estimates for the RSS feed aren't published here unless they're host-verified.
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People also ask
- Who is the host of the 'I Hate Insurance' podcast?
- The host is Rick J. Lindsey, the President, CEO, and Chairman of Prime Insurance Company and XINSURANCE.
- What is the podcast's format?
- It's an interview show where Rick Lindsey talks with people from high-risk professions, using their stories to explain and promote his company's unique approach to specialty insurance.
- Is this podcast still being produced?
- Yes, the podcast releases episodes on a regular basis.
- Who are the typical guests on the show?
- Guests are often clients or partners of the host's companies, including professional racers, trucking company executives, outdoor adventurers, and other entrepreneurs in high-liability fields.
- Where can I listen to the podcast?
- The podcast is available on YouTube, Apple Podcasts, and Spotify.
- Why is it called 'I Hate Insurance'?
- The title reflects the host's critique of the traditional insurance industry's failures and his mission to offer a better alternative through a partnership model.
Built from the show's public RSS feed, YouTube, the host's own websites, and the cited sources below. Computed and AI-extracted fields are labelled. Facts only — no private info, no fabrication, no transcripts republished.
Sources & how this page was built
This page is AI-assisted, grounded in the public sources cited below, and host-verifiable. We publish facts only; we do not republish transcripts. If anything here is wrong, the host can claim and correct the page above.Model: gemini-2.5-pro · high confidence
- [01]Rick J. Lindsey - Prime Insurance Companyprimeis.com
- [02]Rick J. Lindsey | Chairman, CEO & President - Prime Insurance Company - Forbes Councilscouncils.forbes.com
- [03]Podcasts - Prime Insurance Companyprimeis.com
- [04]XINSURANCExinsurance.com
- [05]I Hate Insurance! - Apple Podcastspodcasts.apple.com
- [06]Rick J. Lindsey, State of the Market Viewpoint - Prime Insurance Companyprimeis.com
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