Smoke Shop, Vape & CBD Store Insurance
Coverage for a Business Most Agencies Won't Touch
Many standard insurance carriers decline smoke shops, vape stores, and CBD and Cannabis retailers outright — which is exactly why we built relationships with specialty and surplus-lines markets that understand the industry. If you've been told "we can't write that," you're in the right place.
Risks We Insure Against
- Product liability — claims alleging injury from products you sell (vapes, glass, CBD, kratom). This is the coverage most smoke shops are missing, and the one that matters most.
- Theft and burglary — high-value, high-demand inventory makes smoke shops targets; we structure crime limits realistically
- Property — inventory, display cases, build-out, signage
- General liability — customer slip-and-falls and premises claims
- Business income — keeping you afloat after a covered loss
We also can help protect
- Harvest
- Cultivation
- Manufacturing
What We Need to Quote You
Product mix (tobacco, vape, CBD, kratom, glass, accessories), annual sales, whether you manufacture or private-label anything, and your security setup (cameras, alarms, bars). More detail up front means better markets and pricing.
FAQ
Standard carriers avoid the product liability associated with vapes, CBD, and kratom. Specialty markets exist specifically for this — they just aren't available to captive agents. As an independent agency, we access them directly.
Yes. Retailers get named in product lawsuits alongside manufacturers, especially when the manufacturer is overseas or out of business. If you sell it, you can be sued over it.
In most cases yes, through markets that accept hemp/CBD retail, provided products are lawful. Bring us your product list and we'll match you with an appropriate carrier.
Coverage varies by carrier and product. Full transparency about your inventory is essential — an undisclosed product category can void coverage at claim time. We'd rather place you correctly than quickly.
Yes, under property/crime coverage — but limits matter. We calculate coverage against your actual inventory value, including peak stocking, so a burglary doesn't leave you half-covered.
More than generic retail because of product liability, typically starting around $1,000-$4,000+ per year depending on sales, products, and location. We quote multiple specialty markets so you see the real range.
