Insurance for intimate brands redefining the industry.

AS FEATURED IN · XBIZ PREMIER MAGAZINE · APRIL 2026. “Kinky and Covered: Essence Protection Offers Curated Insurance Services for Adult Retailers.” Specialty Insurance, Designed Intentionally. Insurance built for sexual wellness, pleasure, and adult brands by a licensed US broker who actually understands the industry. Essence Protection is a specialty insurance brokerage for adult novelty retailers, sexual wellness brands, pleasure product manufacturers, lingerie labels, CBD intimacy companies, kink-forward businesses, and creator-branded product lines. We design commercial policies intentionally — product liability, general liability, cyber, media liability, property, and more — instead of retrofitting generic small-business templates that quietly exclude the materials, categories, and distribution channels you actually use. One policy. A-rated US carriers. No silent exclusions. No judgment. Reviewed line-by-line before you ever sign. Licensed US Brokerage. A-Rated Carrier Network. Nationwide Coverage. Featured in XBIZ Premiere Magazine, April 2026. Who We Serve. Real coverage for the brands other insurers quietly decline. If you sell, manufacture, distribute, or brand anything in the sexual wellness, adult novelty, or pleasure-adjacent space, you belong here. Every category below includes specialist underwriting, category-specific endorsements, and policies reviewed by a broker who understands how your business actually operates. Adult Novelty & Pleasure Retailers: Brick-and-mortar shops, online pleasure boutiques, and multi-channel retailers selling sex toys, novelty, and sensual products. Sexual Wellness Brands: Intimacy-focused wellness labels — arousal gels, lubricants, body oils, massage products, and sexual health lines. CBD & Hemp Intimate Products: CBD lubricant insurance, hemp arousal oils, cannabinoid-infused intimacy products. Category most generic carriers decline outright. Lingerie & Intimate Apparel: Lingerie brand insurance for direct-to-consumer labels, boudoir designers, sensual apparel companies, and wholesale lingerie boutiques. TikTok Shop Adult & Pleasure Sellers: Occurrence-basis product and general liability for adult and pleasure brands selling on TikTok Shop — satisfies COI requirements for multiple platforms. Lithium-Ion & Rechargeable Toys: Rechargeable vibrators, app-controlled devices, heated massagers. Lithium-powered product categories most generic policies silently exclude. Kink, BDSM & Alternative Lifestyle: Bondage gear, impact toys, electro-stim, rope, fetish apparel, and kink-positive retailers. Consent-forward coverage without the category surcharge surprise. Private-Label & Creator Brands: Dropshippers, private-label manufacturers, OnlyFans merch, creator-branded pleasure lines, and imported novelty from overseas factories.Our Coverage Types. Every coverage your business actually needs — under one broker. A properly built insurance program for a sexual wellness or pleasure brand typically layers several coverage types into one commercial package. Below is what we place, underwrite, and review for every Essence client. General Liability Insurance: Third-party bodily injury and property damage claims arising from your business operations, premises, and day-to-day activities. The foundation of any commercial insurance program. Product Liability Insurance: Responds to claims arising from the products you sell — allergic reactions to lubricants and intimate products, material defects, battery failures, silicone degradation, and recall-related losses. Professional Liability: Errors and omissions coverage for advice, services, education, or professional recommendations in the sexual wellness space, including coaches, educators, and consulting brands. Cyber Liability Insurance: Data breach response, ransomware, social engineering fraud, and customer privacy claims. Customer data in this category is uniquely sensitive and uniquely targeted. Business Interruption: Income replacement when a covered loss forces you to pause operations — fire, theft, equipment failure, or other insured events that halt shipping, manufacturing, or retail activity. Property Insurance: Physical property protection for your inventory, equipment, furnishings, retail buildout, warehouse stock, and 3PL inventory exposures. Adult categories, fully disclosed, properly valued. Premises Liability: Injuries and incidents at your retail location, pop-up, trade show booth, or event activation. Includes slip-and-falls, display injuries, and venue-related third-party claims. Workers’ Compensation: State-required coverage for employee medical costs and lost wages from work-related injuries or illness. Built for retail staff, warehouse teams, and production crews. Business Auto Insurance: Commercial auto coverage for company-owned delivery vehicles, pop-up transport, warehouse shuttles, and employee-driven business use. Closes the personal-auto-doesn’t-cover-work gap.The Silent Exclusions. What your generic business insurance won’t cover. Hidden inside the fine print of every generic business policy is a list of exclusions written specifically to cut adult, intimate, and pleasure-category brands out of coverage. Here are six of the most common. Latex Allergy Claims: Latex is the most common allergen in intimate products and it’s silently excluded from bodily injury coverage in most generic policies. Lithium-Ion Battery Products: Rechargeable vibrators, app-controlled toys, heated massagers. Lithium-powered categories are excluded from most generic policies and from TikTok Shop’s own partner insurance. CBD, Hemp & Cannabinoid Products: CBD lubricants, hemp arousal oils, THC-free intimacy gels. Traditional carriers exclude cannabinoid products entirely, regardless of formulation. Kink, BDSM & Impact Products: Bondage, impact toys, electro-stim, rope, fetish apparel. Classified as adult content risk and surcharged or excluded without notice. Private-Label & Dropship: When you rebrand a product and a customer is injured, the claim follows your name. Most generic policies exclude white-label liability. Adult Content & Imagery: Your Instagram, product photography, TikTok content. Content-based exclusions kill claims when marketing is judged adult in nature.What Our Clients Say. 342 five-star Google reviews. And counting. Verified reviews for the licensed US brokerage behind Essence Protection. “Ashlin Hadden is an absolute godsend. Her product liability policy was the final selling point to get Besties into stores, now our most solid retail smoke shop partner. Onboarding a second venture with her and the process is so easy. The peace of mind is amazing and having her in my corner is unlocking so many doors. I’m not a big fan of red tape. The kind of guy who wishes we paid for everything in coins. But she seriously makes it feel like it’s not even there and I can just work.” — Cam Jennings, Verified Google Review. “You are amazing at what you do. I haven’t had one second of worry in the many years we have been working together. Bonus that you are an amazing human as well.” — Natalie Johnson, Verified Google Review. “Fast and excellent service. I recently purchased general liability insurance for my business through Ashlin Hadden Insurance and their service was 5-stars, 10/10, A+. The whole process took very little effort from my side and was completed within a few days. Communication was on-point with most questions that I had taken care of before I even asked them.” — Adrian B, Verified Google Review.The Essence Library. Vol. 01. The Complete Guide. Free In-Depth Resource. The Complete Guide to Insurance for Sexual Wellness Brands. Everything a founder, retailer, or manufacturer in the sexual wellness category needs to know about coverage — policy types, required limits, platform COI requirements, silent exclusions, category-specific endorsements, and how to avoid the most expensive coverage mistakes we see brands make every month.Frequently Asked Questions. Answers to what pleasure brands actually ask. Direct answers from a licensed US broker — no fluff, no generic templates. What is sexual wellness insurance? Sexual wellness insurance is a specialty commercial insurance program designed for brands, retailers, and manufacturers in the pleasure product, adult novelty, intimate wellness, lingerie, CBD intimacy, and kink categories. A complete sexual wellness insurance policy typically combines general liability, product liability, cyber liability, property, and premises liability coverage — written by carriers that specifically underwrite categories traditional insurance companies exclude, like lithium-ion powered toys, latex products, silicone goods, and CBD-infused intimate products. Do pleasure brands really need product liability insurance? Yes — product liability insurance is the single most important coverage for pleasure brands. Product liability responds to claims arising from injuries caused by the products you sell, including allergic reactions to lubricants and intimate products, silicone degradation, rechargeable battery failures, and material defects. Legal defense costs alone — even on a claim you ultimately win — regularly exceed $25,000. Wholesale buyers, adult-industry payment processors, and platforms like TikTok Shop and Amazon also increasingly require a Certificate of Insurance showing active product liability coverage before onboarding or renewal. Are lithium-ion battery pleasure products covered by standard business insurance? No. Standard business insurance policies almost always exclude products powered by lithium-ion or rechargeable batteries. That exclusion covers most modern vibrators, app-controlled toys, heated massagers, and remote-control devices. If you manufacture, private-label, or retail lithium-powered pleasure products, you need a policy specifically written to cover lithium exposure — including thermal runaway, overheating, charger fires, and international shipping of lithium goods. Essence Protection places policies with carriers that underwrite lithium-ion pleasure products by category. What insurance do I need to sell CBD lubricants and hemp intimate products? CBD lubricant insurance and hemp intimate product coverage requires specialty carriers that specifically underwrite cannabinoid-derived goods. Most traditional business insurance policies exclude cannabis-derived ingredients entirely, regardless of THC content. A proper CBD intimate product policy includes product liability with explicit cannabinoid coverage, plus state-specific endorsements where your products are sold. Coverage also addresses silent exclusions around hemp oils, CBD-infused arousal products, and THC-free intimacy gels that trip up generic policy wording. How does product liability insurance respond to allergic reaction claims? Product liability insurance responds to allergic reaction claims by covering medical expenses, pain and suffering settlements, and legal defense costs when a customer reports injury from an ingredient in your product — including latex, silicone, fragrances, preservatives, essential oils, or CBD/hemp compounds. A properly written policy includes bodily injury coverage without silent exclusions on common allergens. Allergic reaction claims are among the most frequent reported claim types for sexual wellness and intimate product brands, which is why Essence specifically reviews ingredient exposure before binding coverage. Can I get insurance for a TikTok Shop adult or pleasure brand? Yes. TikTok Shop insurance for adult and pleasure sellers requires Commercial General Liability coverage written on an occurrence basis with minimum limits of $1,000,000 per occurrence and $1,000,000 aggregate, with TikTok Inc. listed as an additional insured. Essence Protection writes occurrence-basis policies that satisfy TikTok Shop’s COI requirements while also covering the underlying product liability exposures specific to adult categories — including lithium-ion products, private-label goods, and CBD-derived intimate products. One policy can simultaneously satisfy TikTok, Amazon, and Shopify COI requirements. How much does insurance for a lingerie or pleasure brand cost? Lingerie brand insurance and pleasure brand insurance costs depend on what you sell, your annual revenue, distribution channels, and which coverages you bundle. Most startup and small pleasure brands begin in the $50–$75 per month range for a Commercial General Liability policy with product liability included. Growing brands, manufacturers, CBD intimate product companies, and brands shipping internationally typically pay $100–$300 per month for broader coverage that includes cyber, IP endorsements, and worldwide product liability. What’s the difference between general liability and product liability? General liability insurance covers claims arising from your business operations and premises — a customer tripping at your pop-up booth, a display damaging a venue, a vendor being injured on your property. Product liability insurance covers claims arising from the products themselves — allergic reactions to lubricants, battery malfunctions in vibrators, silicone breakdown causing injury, or product defects leading to a recall. Most sexual wellness and pleasure brands need both, and they’re almost always sold together as a Commercial General Liability policy with product liability built in.Ready When You Are. Real coverage. No silent exclusions. Built for how you actually do business. Fifteen minutes with a licensed US broker who works in this industry every day. No generic quote-and-hope. No one-size-fits-all templates. No surprises at renewal. Our Markets. Carriers We Place With. The specialty markets and Lloyd’s syndicates we access to build coverage for businesses other agencies won’t touch. Lloyd’s of London. Admiral. Evanston. Kinsale. CFC. Hiscox. BiBerk. Starstone.Specialty insurance for sexual wellness, pleasure, and adult brands — designed intentionally by a licensed US broker who actually understands the industry. © 2026 Essence Protection. Operated by Ashlin Hadden Insurance, a licensed US insurance brokerage.​ 10911 Greenfield Ave Noblesville, IN 46060 Call or Text 765) 432-8989 Specialty sexual wellness insurance · Licensed in all 50 states · A-rated carriers, placed intentionally

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