Business Insurance for Smoke, Tobacco, and Vape Shops

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Save money by comparing insurance quotes for smoke and vape shops

Businesses that sell e-cigarettes, vaporizers, and tobacco products face unique risks. Protect against the unexpected with affordable business insurance tailored for vapor stores and smoke shops.

Cigarettes, vaporizers, and other items on display at a smoke shop.
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Insureon helps smoke, tobacco, and vape shops compare insurance quotes from top U.S. providers online. Get several quotes with one application.

What types of insurance do smoke, tobacco, and vape shops need?

These policies cover the most common risks faced by smoke shops.

Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for smoke shops.

  • Slip-and-fall injuries
  • Damaged customer property
  • Theft of inventory
General liability insurance icon

General liability insurance

General liability insurance covers common smoke shop risks, such as a customer injury at your store. Bundle with commercial property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for smoke shops that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

This policy helps tobacco and vape stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Once a policy’s limit is reached, umbrella insurance for vape shops (or excess liability insurance) boosts coverage on general liability, commercial auto, or employer’s liability insurance.

  • Customer injury lawsuits
  • Employee injury lawsuits
  • Auto accident lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance is usually required for business-owned vehicles. It covers costs if your tobacco shop's truck or other vehicle gets into an accident.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

Why do smoke, tobacco, and vape shops need insurance?

The popularity of e-cigs, atomizers, rechargeable cigarettes, and vaporizers has skyrocketed. However, from an accident at your shop that injures a customer to inventory theft, smoke store owners face high liability. Smoke shop insurance protects retailers from lawsuits, medical bills, and more.

How much does insurance cost for retail businesses?

Retailer with a clipboard calculating the cost of business insurance.

Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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