Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 4 named markets · read 2026-10-28

Who insures adult entertainment?

Adult entertainment is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

4 markets publicly write adult entertainment: RMS Hospitality Group (program division of RMS Insurance Brokerage), Illinois Casualty Company (ICC), Kinsale Insurance Company, USG Insurance Services. 1 program administrator, 1 admitted carrier, 1 E&S carrier, 1 wholesaler. 1 on admitted paper. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
RMS Hospitality Group (program division of RMS Insurance Brokerage)
Program administrator		Adult nightclub program: commercial liability for adult clubs with live music, DJs, dance floors, bars, food service and valet; homepage lists adult entertainment venues among classes served.
“We offer commercial liability insurance for adult clubs with live music, DJs, dance floors, bars, food service,”		not statednot statedrmshg.com · read 2026-10-28
Illinois Casualty Company (ICC)
Admitted carrier		Nightclub and gentlemen's club insurance program.
“we offer specialized insurance coverage for your nightclub or gentlemen's club.”		18 states (homepage: "ICC is an admitted carrier in eighteen states.")Admittedilcasco.com · read 2026-10-28
Kinsale Insurance Company
E&S carrier		General Casualty hospitality target class "Nightclubs & gentlemen's clubs"; liquor liability for gentlemen's clubs; impairment liability for gentlemen's clubs where cannabis/THC consumption is legal.
“Liquor liability risks: Restaurants, bars, nightclubs, gentlemen's clubs, liquor stores, convenience stores”		liquor liability in all states except Georgia and Michigannot statedkinsaleins.com · read 2026-10-28
USG Insurance Services
Wholesaler		Hospitality placements listing gentlemen's clubs and nightclubs among business types; liquor liability application titled Night Club, Gentleman's Club, Bar, Restaurant, Tavern.
“Bars/Taverns, Convenience Stores, Gentlemen's Clubs, Hotels/Motels, Nightclubs, Restaurants”		all states (homepage: "USG writes business in all states")Surplus linesusgins.com · read 2026-10-28

Four markets verified. Every market found frames adult entertainment as gentlemen's/adult nightclubs; no market page used the phrase 'adult entertainment' other than RMS's homepage.

How adult entertainment gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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