Adult Novelty Insurance Texas (Quotes, Cost & Coverage)

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Commercial General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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Adult Novelty Insurance Texas

TX Adult Novelty Insurance

Disclaimer: This page is meant for adults only and may include content that some users may find offensive. If you are under the age of 18, if such material offends you or if it is illegal to view such material in your community please exit this page. The following terms and conditions apply to this page. Use of this page will constitute your agreement to the following terms and conditions:

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Adult Novelty Insurance Texas. Also known as adult novelty liability, it is a specialized product liability insurance service offered to the manufacturers, wholesalers and/or retailers of specialty adult products.

It is designed to cover the holders of adult novelty insurance Texas policies against possible legal action resulting in the failure of their products causing someone injury.

Adult novelty insurance Texas protects your business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Who Needs Adult Novelty Insurance?

If you are a manufacturer of adult products, including but not limited to Anal beads, Anal vibrator, Aneros, Arab strap, Ben Wa balls, Borghild Project, Bread dildo, Butt plug, CandyGirl, Cock ring, Dildo, Double penetration dildo, Erotic electrostimulation, Erotic furniture, French tickler, G-Spot vibrator, Genital jewellery, Hitachi Magic Wand, Love egg, MysteryVibe, Nipple clamp, OhMiBod, Orgasmatron, Passion Dust, RealDoll, Roxxxy, Sex dice, Sex doll, Sex machine, Sex pillow, Sex robot, Sex swing, Sinulator, Strap-on dildo, Sybian, Tantus, Teledildonics, Vibrator, Violet wand, Virtual reality sex or other adult related paraphernalia, you should definitely consider getting some kind of coverage.

The thing about this industry is that the claims are far lower in frequency than other business; however, they are generally higher in severity. This is because of the potential embarrassment factor in coming forward about product faults. People tend only to complain when things go so seriously wrong, their anger or pain is able to outweigh any reservations they may have. The same goes for retailers; for you to get complaints that something has gone wrong, it has had to have gone very wrong indeed.

Adult novelty insurance Texas should cover you for most incidents related to use of a product against its original intention, but do make sure you know exactly what situations you are covered for before you buy a policy. The last thing you want to happen is someone making a claim, then finding out you aren't covered.

Why Get Adult Novelty Insurance?

Just like any other kind of business, if you value the long-term viability of your business, you should have some sort of commercial liability insurance. If you are looking into getting adult novelty insurance Texas, you have taken the greatest care as a manufacturer, wholesaler or retailer when bringing your product to the public. You've made sure that your products are safe before being released into the market place. You spent your weekends researching the companies that provide your stock.

It only takes one slip up on the factory floor, one failure of quality control, one person in the chain to turn up with a hang-over once, and you have the potential for a financially devastating situation, not to mention the damage to the way your brand is viewed by the public. When it comes to adult products there is no room for human error due to the nature of their use. That is why you need adult novelty insurance Texas.

Another point that should be noted is Duty of Care. Just because you have the insurance, that doesn't mean you can now get away with a negligent approach to customer welfare. You still need to make sure the clients are aware of the limits to with their adult novelties can be used for example anything electrical should not be used in the bath, anything that can restrict the airway should be used with utmost care, ensure any restraints aren't cutting off adequate blood circulation and so on.

This will ensure that you've fulfilled your duties as a responsible manufacturer or retailer so that when someone uses something wrong, and they use it in a way it's not designed, you are less likely to be liable for it. If you don't warn them against it first though, you can be on the hook for the injuries caused by their stupidity.

What Types Of Adult Novelty Insurance Are There?

Adult businesses need adult novelty insurance Texas just like any other type of business does. The first step is to register the business and then obtain insurance. Any type of TX adult novelty business has to go through vigorous licensing requirements when it is being set up. But in general there are three different types of insurance you will need to get:

General Liability: Every business no matter what needs this type of insurance. This policy provides you with defense should you, your employees or your products cause harm or damage to any third parties, along with other coverages that you will need. GL protects your business from 3rd party's claims of bodily injury, associated medical costs and damage to property.

Worker's Compensation: This will cover your business should any of your employees or you get injured while working on the job. TX workers comp is required for any non-owner or partner employees.

Data Breach: As you can imagine, privacy extremely important in the adult novelty business. This type of business will more than likely be storing sensitive information about its clients and this type of adult novelty insurance Texas coverage will provide protection in the event of data being leaked out or going missing. It can be the difference between an easy solution and a large and expensive lawsuit.

What Does Adult Novelty Insurance Cost?

Depending on the exact nature of the product you sell, you may end up paying slightly higher premiums than the shoe store next door or the factory producing tissue paper. Annual premiums are very dependent on your location, gross sales, product mix etc.

You will need to work with a insurance broker to help you find the best fit policy for your business.

Texas Adult Novelty Store's Risks & Exposures

Premises liability exposure comes from slips and falls due to public access to the premises. Floor coverings must be in good condition, no frayed or worn spots on carpet, and no cracks or holes in flooring. Steps and uneven floor surfaces should be prominently marked. Sufficient exits must be provided and be well marked, with backup lighting systems in case of power failure. All goods should be kept on easily reached shelves so that customers do not pull down items on themselves.

Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. If the business is open after dark, there should be adequate lighting and appropriate security for the area.

Personal injury exposures are from apprehending and detaining shoplifters. Shoplifting procedures must be fully understood and utilized by all employees.

Products liability exposure is normally low. Direct import of foreign products can be a concern, particularly as it relates to adult toys. Foreign-made items should come from a domestic-based wholesaler. Any direct importer should be considered as a product manufacturer.

Workers compensation exposures are from lifting that can cause back injury, hernia, sprains, and strains, and from slips and falls. Employees should be provided with safety equipment, trained on proper handling techniques, and have conveying devices available to assist with heavy lifting. Shelves should be easily accessible for storage. Stepladders should be available. Housekeeping in storage areas, especially during peak times, is vital in preventing trip and falls. In any retail business, hold-ups may occur. Employees should be trained to respond in a prescribed manner.

Property exposures are low since ignition sources are limited to electrical wiring, heating and cooling systems. The material, fabrics and plastic goods on hand can create a tremendous fire load and be extremely susceptible to damage by fire, smoke and any type of moisture. If high-value items are carried, theft may be a concern. Appropriate security measures must be taken, including physical barriers to prevent entrance to the premises after hours and an alarm system that reports directly to a central station or the police department. Breakage is a concern as items may be made of glass or pottery.

Business interruption is a concern since sales may peak at particular times during the year.

Crime exposures are from employee dishonesty and theft of money and securities either from holdup or safe burglary. Background checks should be conducted on all employees handling money. There must be separation of duties between persons handling deposits and disbursements and handling bank reconciliation. Money should be regularly collected from cash drawers and moved away from the collection area, preferably to a safe on premises. Bank drops should be made throughout the day to prevent a buildup of cash on the premises.

Inland marine exposures are from accounts receivable if the store offers credit, computers to transact sales and monitor inventory, and valuable papers and records due to customers' and vendors' records. Backup copies of all records, including computer records, should be made and stored off premises.

Business auto exposure is generally limited to hired and non-owned liability for employees running errands.

TX Adult Novelty Insurance

If you make or sell adult products, you should have adult novelty insurance Texas to meet your business protection needs.

Texas Economic Outlook & Requirements For Commercial Insurance

Made In Texas

If you are considering opening up a business in the Lone Star State, you first want to make sure that it is a sound location for your operations. That means that you should understand some key information related to the state's economy, as well as the types of insurance coverages that businesses are legally required to carry.

Economic Outlook For The State Of Texas

In terms of the economy, Texas offers fantastic news for those who are thinking about starting up a business in this state. That's because the Lone Star State has the second largest economy of all 50 states in the nation. The gross state product is valued at an estimated at over $1.706 trillion in 2018. In 2015, the state was the headquarters for six of the top 50 Fortune 500 companies.

As expected, several industries contribute to the economy of Texas. One of the most notable industries is agriculture. In fact, this state has the highest production of cattle, sheep, and goat products. It is also the largest producer of cotton and cereal crops. Other crops that this state is famed for include cantaloupes, watermelons, and grapefruits.

Other leading industries in the State of Texas include:

  • Aeronautics
  • Defense
  • Computer Technology
  • Energy
  • Tourism
  • Entertainment
  • Healthcare

If you are considering going into business in TX, having an operation in any of these industries will likely afford you success.

Commercial Insurance Regulations For Business Owners In TX

The Texas Department of Insurance regulates is the main insurance regulatory agency in the Lone Star State. Texas is quite lenient when it comes to insurance requirements for business owners. In fact, there is only one type of insurance that business owners are legally required to carry, and that is commercial auto insurance. If you are planning on using a vehicle for anything related to your business, whether it's making deliveries, transporting goods, or meeting with clients, you must have a commercial auto insurance policy.

While Workers' Compensation coverage is required in every other state, in TX, is it not mandated; however, if you decide not to carry this type of coverage, you will be required to offer your employees some type of incentive package in the event that the do become injured or develop a work-related illness.

Additional Resources For Miscellaneous & Non-Profit Insurance

Find informative articles on small business commercial insurance for miscellaneous and non-profit 501(c)(3) businesses.


Miscellaneous And Non Profit Insurance

For 501(c) Non-Profits - Directors And Officers Liability Insurance has become an increasingly important policy to have. D&O coverage protects insured directors or officers against claims involving allegations of wrongful acts occurring while performing their duties as such. The insurance is divided into two separate coverages:

Side A coverage reimburses the individual directors and officers for payments made for loss each has incurred because of wrongful acts.

Side B coverage reimburses the corporation for the payments it has made on behalf of the directors or officers themselves.

General Liability is a foundational policy for almost any business. Most companies do not have any control over the final cost of injuries to a person injured because of their operations, products, or services. The person injured may be a young child, a blue-collar worker, a surgeon, or a homeless person.

The cost of the injuries may be comparatively minor or run into the millions of dollars, depending on the person and the extent of his or her injuries. Do you have sufficient assets to pay such a loss?

Commercial general liability insurance is designed to help you protect your assets with three main coverages:

  • Coverage A: Bodily Injury and Property Damage Liability
  • Coverage B: Personal and Advertising Injury Liability
  • Coverage C: Medical Payments

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Adult Novelty Insurance
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