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

Who insures strip clubs?

Strip clubs 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 strip clubs: 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 (exotic/gentlemen's club) program: commercial liability including live music, DJs, dance floors, bars, food service, valet; liquor liability and assault & battery via carrier partners.
“Adult nightclubs, sometimes called exotic clubs or gentlemen's clubs, run the gamut from expensive venues with cover charges”		not statednot statedrmshg.com · read 2026-10-28
Illinois Casualty Company (ICC)
Admitted carrier		Nightclub and gentlemen's club insurance program.
“We're the nightclub and gentlemen's club insurance specialists.”		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 target class "Nightclubs & gentlemen's clubs" with a dedicated application; impairment liability for gentlemen's clubs in states where cannabis/THC consumption is legal.
“Nightclubs, Gentleman's Clubs, or Social Clubs”		liquor liability in all states except Georgia and Michigan; impairment liability in select statesnot statedkinsaleins.com · read 2026-10-28
USG Insurance Services
Wholesaler		Liquor liability and hospitality placements for gentlemen's clubs and nightclubs (marketing sheet and application name the class).
“Night Club, Gentlemen's Club, Bar, Restaurant, and Liquor”		all states (homepage: "USG writes business in all states")Surplus linesusgins.com · read 2026-10-28

Four markets verified; same core markets as adult entertainment. M.J. Hall and Cochrane & Company list gentlemen's clubs only on CompleteMarkets, not on their own sites.

How strip clubs 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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