Vape Shop & E-Cigarette Insurance

Our specialist vape insurance is designed for vape shop and e-cigarette shop owners and online retailers including full public & product liability insurance, stock cover and cover for imports from China and the Far East.

Vape Insurance for Shops, Manufacture & E-Liquids

Our specialist vape insurance is designed for vape shop and e-cigarette shop owners and online retailers including full public & product liability insurance, stock cover and cover for imports from China and the Far East.

Need specialist E-Cig & Vape insurance advice?

or call us directly on

01200 309 516

E-Cigarette and Vape Insurance

From high street stores to online retailers, we can adapt our comprehensive cover to your requirements. From vape shop liability exposures, such as product liability and public liability insurance, to physical losses of assets such as fire, flood or theft to buildings, contents, inventory, money and any associated loss of profits.

Vape and e-cigarette wholesalers can often find it challenging to obtain the right level of insurance protection. Our vape wholesalers insurance package can provide full products liability cover, including stock imported from China and the Far East, with limits of indemnity up to £10,000,000.

As well as products cover, we can include public liability in respect of your legal liability to members of the public for incidents such as slips, trips and falls and employers liability meeting your legal requirements for injury or illness to any staff caused as a result of their employment with your business.

We can also include business contents, stock, computer equipment and business interruption to cover your fixed costs such as rent, rates and payroll as well as any loss of income following a property related claims such as fire or flood. required.

E-Liquid and Vape Manufacturers Insurance

If you manufacture vape equipment or mix e-liquids, then our bespoke e-cigarette business policies are just what you need!

Whilst many insurers shy away from vape mixing, our specialist underwriters fully understand the risks involved and are happy to provide full protection for both public and products liability as well as machinery, business contents and stock.

Distribution and Warehousing

Insync can protect your company's professional liability as a supplier from such threats as machinery breakdown, fleet insurance for multiple commercial vehicles, stock determination and damage to goods in transit.

Need specialist E-Cig & Vape insurance advice?

Speak to one of our E-Cig & Vape insurance experts, at a time that suits you...

or call us directly on

01200 309 516

E-CIGARETTE & VAPE INSURANCE

  • Specialist cover for High Street or online e-cigarette retailers to e-liquid manufacturers or electronic cigarette wholesalers

  • Full Public & Product Liability Insurance up to £10,000,000 US Export cover 

  • Cover for imports from China and the Far East

  • £10,000,000 Employers liability insurance covering legal liability for staff

  • Cover for independent retailers and chains

  • Stock cover with stock deterioration & accidental damage in transit options

  • Health Hazard Exclusions available

  • Buildings, fixtures & fittings, stock-in-trade and contents insurance

  • Shop glass and shop front insurance cover

  • Money and Legal expenses

  • Business Interruption Insurance following an insured event

  • Directors & Officers Liability Insurance

  • Cyber Insurance for online vape retailers insurance

Why Insync for Vape Shops

  • Specialist vape scheme cover from A-rated insurers

  • Comprehensive cover for niche markets such as the vape industry

  • Potential savings on your business insurance

  • Experienced commercial broker with a Feefo Platinum Trusted Service Award

  • Instant quotes - cover and policy documents in minutes

  • Flexible cover & monthly payments – only pay for the sections you need

  • Expert advice from vape insurance specialists

  • Personal – Digital servicing AND your own dedicated insurance professional

  • 24/7 claims line for the flexibility our customers need

  • Exclusive benefits platform for our customers - Insync Benefits - discounts on entertainment, travel and more!

FAQs for Vape Shop Insurance

WHAT INSURANCE COVER DO VAPE SHOPS NEED?

Insync can set up your entire vape business insurance policy all in one place. As a Vape shop or wholesaler, you should be considering adding Public Liability, Product Liability, Commercial Property, Fixtures & Fittings, Business Interruption and Employers Liability Insurance to your policy.

If you have any employees, that are not your immediate family members, you are legally required to hold adequate Employers Liability insurance. Check out the gov.uk website to find out more, or contact our expert commercial insurance team who can make sure you have the correct coverage.

WHAT IS PRODUCTS LIABILITY INSURANCE COVER?

Products liability insurance provides legal indemnity against incidents of third-party injury, illness, property damage or accidental death as a result of any goods you have supplied. Products we can cover you for include tobacco products, flavoured e-liquids, electronic vape devices and more.

The right level of products cover is vital for vape industry professionals where multiple claims can occur from claimants seeking compensation for illness or injury. At Insync, our Products policies come in combination with your Public Liability policy to ensure you have a complete liability cover solution.

WHY IS E-CIGARETTE RELATED BUSINESS INSURANCE HARD TO SECURE?

While vaping is becoming a widely accepted alternative to smoking, the safety and long-term health implications of vaping are currently unknown, making business insurance tricky to secure in the vaping industry. While many insurers may shy away from this growing market, our experienced team at Insync can arrange specialist insurance from a panel of leading insurers.

With an Insync vape shop insurance policy, you can find peace of mind that your business will be covered for potential claims far in the future for legal expenses and compensation payments up to your limit of indemnity.

HOW MUCH DOES E-CIGARETTE INSURANCE COST?

Our vape e-cigarette insurance packages start from as little as £250 (plus insurance premium tax), each policy is individually tailored to your specific business requirements. Typically, insurance premiums will be impacted by:

  • Location and type of business (retail, wholesale or manufacturer)
  • Type of business and where the goods have been obtained (UK or Far East Supply)
  • Sums insured (stock, contents etc.)
  • Trading experience and previous claims history
  • Sections of cover required
WHAT ARE THE OTHER MAIN INSURANCE RISKS FOR A VAPE DISTRIBUTION BUSINESS

Alongside product liability, you should also purchase cover against injury or damage to third-party property in the form of public liability insurance, protecting against incidents such as slips, trips or falls to customers, delivery drivers or other visitors to your premises.

If you have any employees, regardless of whether they are full or part-time, you are required by law to purchase employers liability insurance. Employers liability provides cover for legal costs and compensation payments following claims by an employee for injury or illness sustained as a result of their employment with your firm.

Alongside your liability insurance cover, you can also arrange cover for buildings, contents, stock and machinery. Protecting your inventory or stock in transit is another key risk for any wholesaler. Loss or damage to items that are being imported or exported to or from suppliers is likely to have a significant impact on your business. You should take time to understand where you are responsible for goods throughout the supply chain and we will ensure that appropriate insurance protection is arranged.

AREN'T VAPE MANUFACTURERS RESPONSIBLE FOR GOODS SUPPLIED TO WHOLESALES?

Whilst any e-cig manufacturer has a legal responsibility for any goods supplied to third parties, where you are dealing with non-EU suppliers there is no certainty that they could be traced in the event of a claim. Even if the supply chain is based in the EU, do you have 100% certainty that the manufacturer has the correct cover in place? Whenever injury or damage occurs, law firms will still involve all relevant parties in their proceedings – if you are in the supply chain, you should purchase the correct protection. In the vape industry this is particularly important as you cannot rely on your suppliers or end retailers from remaining in business, or retaining the correct cover

AN EXAMPLE OF A VAPE SHOP INSURANCE CLAIM

A vape wholesaler supplies goods imported from China to a chain of high street vape stores.

An e-cigarette explodes causing the user to lose sight in one eye, and they are seeking damages and associated legal costs.

The claimant's lawyer issues proceedings against both the vape shop and the wholesaler concerned. As both the shop owner and wholesaler had adequate insurance, their policies respond and cover both the legal costs and compensation payments should the claimant be successful.

WHAT INSURANCE COVER DO VAPE SHOPS NEED?

Insync can set up your entire vape business insurance policy all in one place. As a Vape shop or wholesaler, you should be considering adding Public Liability, Product Liability, Commercial Property, Fixtures & Fittings, Business Interruption and Employers Liability Insurance to your policy.

If you have any employees, that are not your immediate family members, you are legally required to hold adequate Employers Liability insurance. Check out the gov.uk website to find out more, or contact our expert commercial insurance team who can make sure you have the correct coverage.

WHAT IS PRODUCTS LIABILITY INSURANCE COVER?

Products liability insurance provides legal indemnity against incidents of third-party injury, illness, property damage or accidental death as a result of any goods you have supplied. Products we can cover you for include tobacco products, flavoured e-liquids, electronic vape devices and more.

The right level of products cover is vital for vape industry professionals where multiple claims can occur from claimants seeking compensation for illness or injury. At Insync, our Products policies come in combination with your Public Liability policy to ensure you have a complete liability cover solution.

WHY IS E-CIGARETTE RELATED BUSINESS INSURANCE HARD TO SECURE?

While vaping is becoming a widely accepted alternative to smoking, the safety and long-term health implications of vaping are currently unknown, making business insurance tricky to secure in the vaping industry. While many insurers may shy away from this growing market, our experienced team at Insync can arrange specialist insurance from a panel of leading insurers.

With an Insync vape shop insurance policy, you can find peace of mind that your business will be covered for potential claims far in the future for legal expenses and compensation payments up to your limit of indemnity.

HOW MUCH DOES E-CIGARETTE INSURANCE COST?

Our vape e-cigarette insurance packages start from as little as £250 (plus insurance premium tax), each policy is individually tailored to your specific business requirements. Typically, insurance premiums will be impacted by:

  • Location and type of business (retail, wholesale or manufacturer)
  • Type of business and where the goods have been obtained (UK or Far East Supply)
  • Sums insured (stock, contents etc.)
  • Trading experience and previous claims history
  • Sections of cover required
VAPE INSURANCE CLAIMS EXAMPLE

A vape wholesaler supplies goods imported from China to a chain of high street vape stores.

An e-cigarette explodes causing the user to lose sight in one eye, and they are seeking damages and associated legal costs.

The claimant's lawyer issues proceedings against both the vape shop and the wholesaler concerned. As both the shop owner and wholesaler had adequate insurance, their policies respond and cover both the legal costs and compensation payments should the claimant be successful.

WHAT ARE THE OTHER MAIN INSURANCE RISKS FOR A VAPE SHOP?

Alongside product liability, you should also purchase cover against injury or damage to third-party property in the form of public liability insurance, protecting against slips, trips or other incidents shop customers or other visitors.

Should you engage any employees, regardless as to whether they are full or part-time, you are required by law to purchase employers liability insurance. Employers liability provides cover for legal costs and compensation payments following claims by an employee for injury or illness sustained as a result of their employment with your business.

Alongside your liability protection, you should also arrange cover for business contents, buildings, stock and money cover. Protecting your stock in transit is another potential consideration - check carefully at which point you are responsible for the stock/goods and arrange the appropriate transit insurance if required

AREN'T VAPE MANUFACTURERS OR WHOLESALERS RESPONSIBLE FOR STOCK SUPPLIED TO VAPE SHOPS

The simple answer is yes! An e-cig manufacturer and/or wholesaler has a legal responsibility for any goods supplied to shops or other third parties. However, whenever injury or damage occurs, lawyers will still involve all relevant parties in their proceedings whilst responsibility is determined. In the vape industry, this is particularly important as you cannot rely on suppliers remaining in business or retaining the correct cover themselves – if you purchase the correct level of insurance then the insurer will manage the claims process and subrogate any losses as appropriate.

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Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX

t. 01200 309516
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© Insync Insurance Solutions Ltd 2021 All rights reserved. Insync Insurance Solutions Ltd is authorised & regulated by the Financial Conduct Authority where our reference number is 766691. Our registered office is 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE and we are registered in England under company number 08810662. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 | www.financial-ombudsman.org.uk | Privacy Notice | Terms Of Business