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Coverage that goes
all the Way
Because nothing kills the vibe like an unexpected lawsuit, a hacked customer list, or a shut-down storefront. Navigating the world of sexual wellness and adult novelty retail isn't just about branding and bold ideas - it's also about protecting what you've built.
product liability
In the sexual wellness world, even the best-designed products can face unexpected complaints. Whether it's a toy malfunction, an allergic reaction to a serum, or a labeling issue on your latest formula, product liability coverage is your legal lingerie. It protects you if a customer claims your product caused injury or harm, covering legal fees, settlements, and even recall-related costs.
general liability
Accidents happen, especially when you're running a pop-up event, hosting a brand activation, or inviting customers into a space. General liability coverage steps in when someone slips, trips, or sues. It protects against bodily injury, property damage, and legal costs tied to third-party claims on your premises.
property insurance
Whether you're operating a physical storefront, a fulfillment warehouse, or a private-label brand, your physical space and inventory are major investments. Property insurance keeps your assets protected from theft, fire, vandalism, or natural disasters. From the warehouse to the retail shelf, we keep your goods safe so you can focus on selling fantasies, not fearing flames.
business interruption
When life shuts you down, your revenue doesn't have to. If a fire, flood, or other covered disaster forces your business to close, business interruption insurance helps cover lost income, rent, payroll, and more while you recover. You've worked too hard building your empire to watch it pause without protection.
cyber liability
Selling pleasure products online means collecting sensitive customer data and nothing turns desire into distrust faster than a security breach. Cyber liability coverage shields you from lawsuits and costs related to hacks, leaks, and privacy violations. protect your clients' intimacy and your business reputation with coverage that works just as hard behind the scenes.
workers' compensation
Protect your people. Power your business. If you have employees, even one, this coverage is a must. Workers' compensation pays for medical expenses and lost wages if someone gets injured on the job, from warehouse lifting injuries to retail mishaps.
personal injury
In a digital age, a bad review, spicy ad, or misstep on social media can spiral into a legal drama really quick. Personal injury claims of defamation, slander, libel, invasion of privacy, or copyright infringement. You're not just selling pleasure; you're building a brand. So, let's make sure your mouthy competitor (or that influencer with a grudge) doesn't bring you down with a lawsuit.
business auto
Whether you're dropping off inventory, heading to an event, or just running a quick supply run, your personal auto policy won't cover you if something goes wrong on business time. That's where business auto insurance comes in - keeping your ride and your responsibilities covered. Think of it like roadside assistance for your empire - because nothing says mood killer like an uninsured fender bender full of product samples.
premises liability
Running a sexual wellness business means creating a welcoming space, but you're also responsible for its physical safety. Premises liability covers situations where someone gets hurt on your property due to a hazard you didn't address. Think slippery floors or inadequate lighting – these can lead to unexpected lawsuits. Just like protecting your brand online, ensuring a safe physical environment protects your business from costly legal issues.
looking for even more coverage?
We offer an expansion of business-type insurance plans outside the ones currently shown on our site. Please contact Sales@AshlinHaddenInsurance.com to learn more on how to protect your business!