Specialized Tobacco & Vape Coverage
One of the few carriers willing to write tobacco and vape shop risks. Specialized knowledge of industry exposures through proven cannabis program expertise.
Willing to Write Difficult Risks
When other carriers turn you away, we have the experience and appetite to provide coverage for tobacco, vape, and CBD/hemp shop operations.
Manual Processing & Personal Service
Expert underwriting with manual review ensures proper coverage for your specific operation. Personal attention to each risk's unique characteristics.
Why Specialized Coverage is Essential
Most standard insurance carriers won't write tobacco and vape shops due to the unique risks and regulatory environment. You need specialists who understand your business.
Standard Insurance Markets
- Unwilling to write tobacco/vape risks
- No understanding of industry exposures
- Automatic declinations for vape products
- No coverage for CBD/hemp extensions
- Limited market options
- Generic policy terms unsuitable for industry
Our Specialized Program
- Willing to write tobacco & vape shops
- Proven experience with cannabis program
- Manual processing for complex risks
- CBD/hemp shop coverage available
- Specialized knowledge of exposures
- Tailored policy terms and conditions
- Personal service and expert guidance
Tobacco & Vape Shop Insurance Guide
Why is Tobacco & Vape Shop Insurance So Difficult to Find?
The tobacco and vape industry faces unique challenges including regulatory scrutiny, product liability concerns, and a declining market environment. Most standard carriers avoid these risks entirely, making specialized coverage essential.
Types of Businesses We Cover
- Tobacco Shops: Traditional tobacco retailers and cigar shops
- Vape Stores: E-cigarette and vaping product retailers
- Smoke Shops: Mixed tobacco and smoking accessory retailers
- CBD/Hemp Shops: Through cannabis program extension
- Combination Stores: Mixed retail operations
Unique Risks & Exposures
- Product Liability: Health-related claims from tobacco/vape products
- Regulatory Risk: Changing laws and compliance requirements
- Theft & Security: High-value inventory requiring protection
- Age Verification: Liability for underage sales
- Property Damage: Fire and explosion risks from vape products
Our Specialized Approach
- Manual Underwriting: Each risk evaluated individually by experts
- Cannabis Program Extension: Leveraged experience with similar high-risk operations
- Cornerstone Partnership: Access to willing and experienced carrier
- Tailored Coverage: Policies designed for industry-specific needs
Coverage Limitations
Due to the specialized nature and limited carrier appetite, coverage availability may be restricted by geographic location and specific business operations. Premium levels reflect the unique risk profile of the tobacco and vape industry.