Business Insurance for Smoke, Tobacco, and Vape Shops

Compare multiple quotes from top carriers with one application.
What kind of work do you do?
Young man on a dark background holding an electronic cigarette, vaping device.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

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.
Compare insurance quotes icon

Get quotes in minutes

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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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
View Costs
What our customers are saying
Carousel prev arrow
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Carousel next arrow
Insureon customer reviews on Feefo
Compare insurance quotes for smoke shops
Save money by comparing insurance quotes from multiple carriers.
What kind of work do you do?