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Why do smoke, tobacco, and vape shops need insurance?
With each customer at your smoke shop, there's a risk of someone getting injured – or stealing vaporizers and other items. Business insurance can cover unexpected slip-and-fall injuries, product lawsuits, theft, and fire damage. Some policies, like workers' comp, may be required by law.
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Insureon helps smoke shop owners compare small business insurance quotes from top U.S. carriers online.
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What types of insurance do smoke, tobacco, and vape shops need?
These insurance policies cover common risks faced by smoke shops.
Business owner’s policy
A BOP bundles commercial property coverage and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a small smoke shop.
BEST FOR
- Slip-and-fall injuries
- Business interruption incidents
- Theft of e-cigarettes or other products
General liability insurance
A general liability policy covers the most common smoke shop risks, such as a customer injury at your store. Bundle it with commercial property insurance for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Customer property damage
- Product liability insurance
Workers’ compensation insurance
Most states require workers' comp for smoke shops and cigar shops that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Cyber insurance
This policy helps tobacco and vape stores survive data breaches and cyberattacks. It's recommended for any retail store that handles credit card numbers or other sensitive data.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
Commercial umbrella insurance
When a smoke shop reaches its policy limit, umbrella insurance (similar to excess liability insurance) boosts coverage on general liability, commercial auto, or employer’s liability insurance.
BEST FOR
- Bodily injury lawsuits
- Product liability lawsuits
- Auto accident lawsuits
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.
BEST FOR
- Injuries caused to another person
- Physical damage to another vehicle
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does insurance cost for retail businesses?
A small smoke shop with a few employees will pay less for insurance than a larger store.
Factors that affect retailer insurance premiums include:
- Retail products and services offered, such as CBD or tobacco products
- Business property and equipment
- Business location
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get smoke shop insurance?
It's easy to get smoke shop business insurance or cannabis business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your vape or tobacco store, whether you work independently or hire employees.
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