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The Basics of Insurance Coverage for the E-Cigarette Store

E-cigarettes are also called e-cigs, electronic nicotine delivery systems, vaporizer cigarettes and vape pens and are used to replicate the feel of smoking.

Stores that sell these types of battery-operated smoking gadgets and e-liquids appeal to those who believe the related omissions contain less of a health hazard than the traditional cigarette. In terms of insurance, risk exposure is like cigar stores and others in the smoking retail industries, with the exception of the vagueness concerning long-term health effects.

E-cigarette store Insurance coverage incorporates commercial general liability, comprising of:

  • Products liability coverage

  • Personal injury coverage

  • Advertising injury coverage

  • Medical payments coverage

  • Tenant liability coverage

Considering the uncertainty about e-cigarette long-term effects and other variables, shops that offer the product can also acquire the following pertinent insurance coverage:

  • Product recall insurance

  • Product withdrawal insurance

  • Business personal property

  • Loss of business income

For a more in-depth discussion about e-cigarette shop insurance, speak to an experienced, knowledgeable independent insurance agent.


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Summary: The general commercial exposure and the inherent risks to the e-cigarette retail business in particular, as well as the uncertain long-term associated hazards, present unique insurance requirements


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