Business Insurance for Smoke, Tobacco, and Vape Shops

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Young man on a dark background holding an electronic cigarette, vaping device.

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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. carriers online. Get several quotes with one application.

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

These policies provide coverage for the most common risks smoke shops face.

Business owner’s policy

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

BEST FOR

Slip-and-fall injuries
Damaged customer property
Theft of inventory

General liability insurance

General liability insurance covers common smoke shop risks, such as an injury at your store. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for smoke shops that have employees. It can cover medical costs for work-related injuries.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Umbrella / excess liability insurance

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

BEST FOR

Customer injury lawsuits
Customer property damage lawsuits
Employee injury lawsuits

Looking for different coverage? See more policies.

How much does insurance cost for retail businesses?

Woman with clipboard calculating cost of insurance for her retail business.

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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What our customers are saying

"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"

Jessica Shannon

Customer since 2016

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.

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