wolfsta

Hey guys

Trying to find a good insurance company who will accept adult production. Most of them just flat out say no.

Who do you recommend?

Thanks

wolfsta

Wendy-Etology

tell them to stop hating on adult

BFT3K

Most Insurance Companies consider "adult" to be an illegal business, so they will not insure it. There is no nuance.

If you leave adult, keep your company name, and try to insure your NEXT business, they will research your past, notice your adult history, and may even refuse to insure your "non-adult" business.

I am speaking from experience.

wolfsta

Hey BFT3K

Yeah, I actually saw your previous post about insurance and was going to message you also. You mentioned that you had it in the past thought right so there must be some who do it. And yes not looking to move away from adult :P can always setup a new company for that.

Mickey_

That's an oxymoron.

__________________


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mikesouth

talk to greg zeboray

Production Insurance, Entertainment Industry Insurance

he can hook ya up

tell him i sent ya

__________________
Mike South

It's No wonder I took up drugs and alcohol, it's the only way I could dumb myself down enough to cope with the morons in this biz.

BFT3K

If you have insurance, because you managed to slip one past the goalie, and then you make a claim, it will not be honored. In other words, some insurance companies may turn a blind eye to take your premium money, but only until you have a claim. Once you have a claim, they will notice their oversight, and you will be in the same boat as someone with no insurance at all - only with less money in your account.

The internet is all fun and games until it is used against you. You can change the name of your company, but as long as YOUR name is the same, they will tie you in. Starting a new company will not fix your history.

After looking into this further, I came across a case that was not even "adult" in nature. A 30 year old man who owned a landscaping business had his insurance cancelled due to an insurance company's internet history search.

When he was 15 years old he created a website for landscaping. As a kid, he decided to list all landscaping services he could think of. As an adult, his "available services" list was greatly reduced, as some landscaping services are higher risk than others.

The insurance company cross-checked his name and history of all of the domain names he had ever registered. They reviewed the internet's archived version of the site in question, saw that he used to offer services that were riskier than what he currently offers, and cancelled his policy.

If you spend 5 minutes researching yourselves online, you will see that every site you ever had anything to do with will likely haunt/follow you for the rest of your life.

Porn does not limit it's reputation-killing abilities to just the actors. Word to the wise.

Good times, good times!

Relentless

There is no such thing as an 'adult company' and anyone who operates under the premise that they are an adult company is doing themselves a serious disservice. If you produce content and some of it happens to be NSFW... that doesn't make you an 'adult company' any more than it makes Time Warner an adult company for broadcasting explicit cathouse documentaries on HBO late at night.

That's a different matter entirely. That's a case of poor reputation management. If you are intelligent about the way you present your brands there does not need to be any correlation between your adult and mainstream products or services. Your name doesn't need to appear anywhere online or offline alongside NSFW materials.

If you have already made the mistake of associating your name or company name with NSFW content there are things that can be done to help solve that problem. I do a fair amount of that work for clients and have had success disconnecting their NSFW brands from their personal name or corporate branding.

The modern age allows people to sculpt their reputation in artful ways when done properly and persistently. There is no reason to 'raise your hand' when someone asks if you work in porn, and if you manage your reputation properly nobody would even have reason to ask you that question in the first place.

Contact me if you want to discuss your individual situation...

__________________


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NALEM

Hit up Relentless and MikeSouth's contacts. If you still need someone, write me directly at alex AT nalem DOT com. Ask me for Johnathan Woolworth's contact information. Good luck!

OMG - spoken for the truth!

__________________
"The time men spend in trying to impress others they could spend in doing the things by which others would be impressed."

BFT3K

Of course you would have to be insane to say you were a "porn" or "adult" company - agreed.

In my case, I said I did website design, hosting, photography, and video services - all of which was true. I did all of this for both mainstream, as well as adult, companies.

I even tried to argue the NSFW angle, explaining that my main site, which was BoobieMovies.com, only featured dancing and nudity, and no sex at all.

As I already stated above, to most insurance companies there is no nuance. You were either involved with "adult-related-content" or you were not. Bouncing boobs, or anal gangbang creampie videos were lumped together. In for a penny, in for a pound.

I may be interested in your services down the line though. If you can do what you say, you are certainly at the cusp of a big growth industry!

BFT3K

Enginefood.com Hosting Report

Other domains hosted at: Nationalnet Inc.

filthyboiz.com
dickbusters.com
blogashliorion.com
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franziskaxxx.net
phoenixaviationmgrs.com
rejuvenatorproducts.com
crosbyclub.com
emily18.org
blogginalynn.com

pornlaw

And just because you pay premiums for years before you submit your 1st claim doesn't mean they have to pay.

Before adult I worked for some of the largest insurance companies in the world, AIG, State Farm, Berkshire Hathaway, and the first line of defense is to deny the claim based on false representations made in the application. Illegal or even questionable activity is an easy out for them.

Insurance companies are not your friend. I've seen numerous bad faith lawsuits filed vs carriers over failure to pay and even defend claims. Always have what is called Cumis Counsel on your side when dealing with insurance carriers.

__________________
Michael

www.AdultBizLaw.com

Relentless

If you are implying that some adult sounding domains are also hosted by the same hosting company that hosts my adult Text/SEO services site... that doesn't surprise me. No bank or insurance company will use that as the basis for denying you service. If that logic was accurate, anyone who purchased a domain from Godaddy would be uninsurable because of the other naughty sounding domains that Godaddy has also sold. I also would not be applying for insurance, banking or anything else as "EngineFood.com" ;)

Keep in mind, banks and insurance companies want to get your business... they don't profit from turning away potential customers. They just want to see that A) You are not an asshat and that B) you can provide them with enough plausible deniability to approve your account without looking bad down the line if your history does resurface.

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BFT3K

I'm not arguing with you at all. I just spent 2 minutes using free tools, to tie your domain name in with adult - as tangentially as it may be.

If I were really interested in finding more info on you (which of course I'm not), I could dig up all sorts of stuff for free, and more for just a few bucks.

The insurance companies are using government and state-of-the-art services to do this, and believe me, they will find any and all dirt on anyone they set their sights on.

There is no such thing as "online privacy"... period.

Relentless

Again... I'm not suggesting you will suppress your online activities from NSA level interrogation. However, a standard insurance company audit of a new potential client is orders of magnitude simpler than that, and once you pass the 'sniff test' nobody bothers looking any deeper. People who manage accounts do not assume every applicant is in the porn business, and giving them no reason to look deeper is not very difficult. When they start denying a new client an account because they located adult sounding domains hosted by the same host your point will become valid. Until then you are arguing two completely different things:

1 - That people who investigate to the bone will be able to find out you have adult ties (I agree)

and

2 - That everyone will put in the time and effort to get to that level of scrutiny (I disagree).

Hope that helps

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