Lloyd's of London | Essence By Ashlin Hadden Insurance

Silent Exclusions: The Hidden Clauses Voiding Sexual Wellness Insurance Claims.

You have insurance. Then a claim gets denied — not because you did anything wrong, but because of a clause buried fifteen pages deep that you didn't know existed. Here's how silent exclusions work, where they hide, and how to find them in your policy before it's too late.

Ashlin Hadden

Apr 210 min read

Frequently Asked Questions About Essence. Direct answers to what founders ask us most before they engage. Who is Ashlin Hadden? Founder and CEO of Essence Protection and a Licensed US Insurance Broker. After years in traditional insurance, she built a brokerage for entrepreneurs carriers used to turn away, starting with ecommerce founders and expanding into the sexual wellness space. Known for trust, helping founders grow, and advocacy for categories other insurers decline. What is Essence Protection? A woman led specialty insurance brokerage built for the sexual wellness industry. We design coverage intentionally for brands that make vibrators, lubricants, lingerie, kink accessories, CBD intimacy products, and pleasure positive categories. What kinds of businesses does Essence Protection insure? Sexual wellness, pleasure products, adult novelty, intimate apparel, kink, CBD intimate, and pleasure adjacent brands. If your business makes vibrators, lubricants, lingerie, kink accessories, CBD intimacy products, or something new in this industry, we insure it. What states is Essence Protection licensed in? Nationwide. Operated by Ashlin Hadden Insurance and licensed in all 50 US states. Coverage placed through multiple A rated national and regional carriers. What makes Essence different from a regular insurance agency? We insure categories we actually understand, build specialty coverage instead of generic templates, review policies before binding, flag silent exclusions, and issue professional paperwork that does not broadcast your category to landlords, processors, or venues. How is Essence Protection related to Ashlin Hadden Insurance? Essence Protection is one of four niche brands operated by Ashlin Hadden Insurance in Noblesville, Indiana. Sister brands include TikTok Sellers Insurance, Ecom Insure, and Elevate. Same brokerage, same A rated carrier network, different category focus.