Compare insurance quotes for smoke shops
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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.
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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?
Several factors will have an impact on insurance costs, including:
- Retail products and services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
What our customers are saying
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.