FAQs

We're always down to answer.

Do you cover pleasure products?

If it buzzes, glides, straps on, lights up, or locks in... we will insure it. From boutique toy brands to full-spectrum intimacy collections, we cover what others won't touch.

Can you insure my online store?

Absolutely. Shopify, WooCommerce, Amazon, Etsy, even your link-in-bio empire. If you're selling, we're covering. Digital hustle is our love language.

What about international sales & shipping?

Yes. If your pleasure crosses borders, so does our protection. Global brand? Global backup.

Do you offer cyber liability?

We do. Because nothing ruins a vibe faster than a privacy breach. Customer trust is sexy - hacked emails? Not so much.

Is your coverage discreet?

As discreet as your favorite unmarked delivery box. We know privacy is part of the experience and your secrets are safe with us.

I'm just starting out. Will you work with me?

We LIVE for fresh launches. Whether you're still developing your first product or going viral on TikTok, we've got you. Start small. Dream big. Stay protected.

Can you cover pop-ups, expos, and live events?

Totally. Whether you're behind a booth or on stage in thigh-highs, we offer event coverage for your wildest activations and most fabulous brand experiences.

What's the difference between general and product liability?

General Liability = Protects your space
Product Liability = Protects what's in your packaging
One covers your vibe. The other covers your vibes.

Do you insure kink brands and alt-lifestyle businesses?

Heck, yes. Rope, leather, electro, impact. We are fluent in all things taboo-friendly and consent-forward. We don't judge, we insure.

Why does a pleasure brand really need insurance?

Because one angry customer, one allergic reaction, or one cyber slip-up could cost you everything. Insurance is your business safe word. Use it.

Who actually needs adult novelty insurance?

If you're selling anything sensual, sexy, or stimulation-adjacent, this is for you. Whether you're a boutique, an online brand, a wholesaler, a pop-up, or a performance-enhancer entrepreneur: if you sell pleasure, protect it.

How much does it cost?

It depends on what you're selling, how you sell it, and where you're located. Most small brands can get essential protection starting around
$50-75/month.

What kinds of risks are pleasure brands really facing?

Product issues, customer harm, cyber threats, on-site accidents, copyright claims, and employee lawsuits are serious risks in your powerful, scrutinized industry. Strong protection is vital to prevent business collapse.

Is adult novelty insurance required by law?

Technically, no. But many wholesalers, online platforms, and payment processors require it. And frankly, it's just smart business. One lawsuit could cost more than your entire inventory.

What does Essence cover, exactly?

We customize coverage, commonly providing Product, General, Cyber, Business Interruption, Workers' Comp, Property, Event, and Employment practice Liability. If it helps your brand thrive, we protect it!

Faqs