Vape & Smoke Shop Insurance Coverage Checklist
The coverages a vape & smoke shop business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for vape and smoke shops. Priorities reflect typical exposure; confirm against products stocked and online sales.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers customer injuries on premises. | Core | |
| Products Liability | Covers injuries from products sold — confirm unauthorized products and batteries aren't excluded. | Core | |
| Commercial Property & Business Income | Covers inventory and income after a battery fire. | Core | |
| Crime | Covers theft and burglary of high-value inventory. | Prevalent | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is products coverage for what's actually on the shelf. Only a few dozen e-cigarettes are FDA-authorized — no flavored disposables are — and some policies exclude unauthorized products or lithium-ion batteries. With 2026 seizures and penalties above $21,000 per violation, shops should stock authorized and state-registry products and confirm their coverage matches their inventory.
Send us the checklist and we'll review your vape & smoke shop coverage line by line, then market it across multiple carriers that compete for your account.
Related: Vape & Smoke Shop Insurance · Vape & Smoke Shop Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a vape & smoke shop business need?
The core coverages for a vape & smoke shop business are Commercial General Liability, Products Liability, Commercial Property & Business Income, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my vape & smoke shop coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.