I Hate Insurance!

Get Exclusive Bonus Content Here 👉🏻 https://bit.ly/hateinsuranceWhat happens when insurance actually fails the people who need it most?In this episode of the I Hate Insurance Podcast, Rick J. Lindsey sits down with Cindy Argus of Exum Mountain Guides to break down what real insurance partnership looks like—especially in high-risk industries like mountaineering, outfitting, and outdoor recreation.From decades-old climbing accidents in the Tetons to modern lawsuits, catastrophic claims, and broken insurance models, this conversation exposes why most insurance policies fail when it matters most—and what a better system actually looks like.This episode isn’t just about insurance.It’s about risk, responsibility, leadership, and doing things the right way when lives are on the line.⸻🎙️ In this episode, we cover:• Why high-risk and outdoor businesses became “uninsurable”• What really happens when serious accidents or fatalities occur• The biggest mistake business owners make after an incident• Why reporting claims early protects you• How lawsuits inflate numbers—and why juries don’t buy it• The danger of exclusions, fine print, and split policies• Insurance as a product vs insurance as a partnership• How release forms actually work in high-risk activities• Why experience matters more than cheap coverage• Lessons from 40+ years of real claims and court battles⸻⏱️ Timestamps (Key Moments):00:00 – Welcome to the I Hate Insurance Podcast01:45 – The early days of insuring guides and climbers05:30 – Accidents that changed the industry forever09:10 – Why people don’t report claims (and why it hurts them)13:45 – How liability and damages really work18:30 – Why high-risk activities are easier to defend legally22:10 – The danger of exclusions and partial coverage26:40 – Why everyone hates insurance (and they’re not wrong)29:50 – What real insurance partnership should look like🎯 Get exclusive content and behind-the-scenes access, sign up for email updates on the I Hate Insurance Podcast page:https://www.xinsurance.com/i-hate-ins...👉 Don’t forget to subscribe for more unfiltered stories on insurance, risk, and life. :    / @ihateinsurancepodcast   🎬Suggested videos for you:▶️    • From Bankruptcy to Drones for the U.S. Arm...  ▶️    • How Does Insurance Work? Understanding Cov...  ▶️    • Stop Buying Fake Insurance ❌ | The Ugly Tr...

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 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 get coverage, they discuss how the industry has moved away from its true purpose, protecting people and helping them get back on their feet. This episode is packed with real-world stories, lessons from decades of litigation, and practical advice for business owners who want to be truly protected.
Don’t wait until disaster strikes. Learn how to protect your business with coverage that actually works. If you've enjoyed this episode of the I Hate Insurance podcast, be sure to leave a review and subscribe today! 
Enjoy!
Key takeaways:
Why customized coverage is the only real way to protect your assets

How insurance mismanagement leads to unnecessary litigation

Why “cheap” policies often cost more in the long run

The lessons learned from motocross tracks, rafting trips, and concert cancellations

How to choose good partners and avoid being left exposed after a claim

Why government-backed plans are not a reliable safety net

What businesses can do today to ensure they’re actually covered when it matters

And much more…

Guest Bio:
Michael Petersen is the President and Owner of Critical Laser Technologies, where he has spent over 21 years helping the company thrive after starting in an entry-level role sweeping floors and working swing shifts through college while studying Criminal Justice at UVU. In 2020, Michael became President and an equity partner at Spire Ranges through Tamarak Capital. In 2024, he acquired full ownership of Spire and now leads the company as its sole owner, continuing to drive growth and innovation in the shooting range industry.

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Follow Michael on LinkedIn

Disclaimer: 

The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of I Hate Insurance podcast or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

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 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 shares his perspective on building trust, giving back, and creating lasting impact.
Jon also shares his journey from being a mascot to founding a mascot company and his anonymity as the Jazz Bear. They talk about the evolution of mascots, the challenges of maintaining anonymity, and the impact of Jon's work on the community. They also touch on the changes in sports culture, the significance of community involvement, and the personal connections formed through their roles.
If you've enjoyed this episode of the I Hate Insurance podcast, be sure to leave a review and subscribe today! 
Enjoy!

Key takeaways:
How Jon Absey became the Utah Jazz Bear and built a 30-year career entertaining fans

The importance of protecting your identity in a high-profile role and why Jon guarded his anonymity for decades

What really happens behind the scenes with NBA players, referees, and mascots

How Rick connects lessons from sports to the realities of insurance and risk management

Why the right insurance is less about policies and more about partnerships

How friendships, respect, and giving back can create lasting impact in business and life

And much more…

Guest Bio:
Jon Absey is best known for his three-decade run as the Utah Jazz Bear, one of the most beloved mascots in professional sports. Inducted into the Mascot Hall of Fame, Jon’s career was built on daring stunts, creative fan engagement, and a deep commitment to community service, raising millions for charity through appearances and events. His ability to connect with audiences on and off the court made him a Utah icon and a mentor to mascots across the country.
Andy Chudd is a longtime friend of Jon’s and an active community leader known for his work supporting charitable causes, including Christmas shopping events for military families. His background in business and deep ties to the sports community have made him a key connector and advocate for those he supports.

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Connect with Jon on LinkedIn
Connect with Andy on LinkedIn

Disclaimer: 
The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of I Hate Insurance podcast or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

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 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 stay grounded and help others.
The conversation shifts into the world of insurance with Rick sharing stories and insights from decades of working with high-risk clients. Together, they dive into the real-world consequences of bad insurance decisions, the problems with unnecessary settlements, and how the industry needs to change to better protect individuals and businesses alike.
Want to hear what a pro skateboarder-turned-fighter has to say about authenticity, bullshit detectors, and why insurance still gets it wrong? Tune in to this episode with Jason Ellis—it's bold, raw, and surprisingly insightful. 
If you've enjoyed this episode of the I Hate Insurance podcast, be sure to leave a review and subscribe today! 
Enjoy!

Key takeaways:
How Jason transitioned from skateboarding to radio, MMA, and now stand-up comedy

Why Jason believes showing up authentically is key to personal growth

The consequences of settling claims unnecessarily

How the legal system and aggressive lawsuits influence insurance decisions

Why understanding the fine print of health insurance is crucial

The impact of natural disasters on insurance and the failures of government programs

And much more…

Guest Bio:
Jason Ellis is a retired professional skateboarder and MMA fighter turned podcaster and stand-up comedian. He hosted The Jason Ellis Show on SiriusXM for 15 years and now entertains fans through Hawk vs. Wolf, Awesome World, and live comedy. A New York Times bestselling author of I’m Awesome and I’m Still Awesome, Jason is also the founder of the wild MMA-meets-music festival, Ellismania.

Resources
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Jason Ellis 

Disclaimer: 
The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of I Hate Insurance podcast or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

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 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 local golf courses and real estate developments, including Victory Ranch, Red Ledges, and Wolf Creek. 

From taxes and wildfires to Tiger Woods’ nearby course and the unique lifestyle of out-of-state property owners, the dialogue weaves in personal stories, entrepreneurial insight, and a no-nonsense take on the realities of high-altitude development.

If you've enjoyed this episode of the I Hate Insurance podcast, be sure to leave a review and subscribe today! 

Enjoy!

Key takeaways:
Why Rick believes integrity and action matter more than titles or credentials

What makes Freedom Golf Retreat more than just a luxury escape

Why flying a helicopter isn't just a thrill—it’s a powerful metaphor for trust and risk

How Rick sees a deeper purpose in his podcast mission

The value of building relationships that go beyond business

Why it's worth taking time to reflect—even if you have to do it midair

And much more…

Guest Bio:
Austin Freeman is an entrepreneur, connector, and dream builder with a passion for innovation, community, and personal growth. As the co-founder of Freedom Golf Retreat, Austin plays a key role in crafting experiences that unite high-performing professionals through purpose-driven events.

Resources
XINSURANCE

Disclaimer: 
The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of I Hate Insurance podcast or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.