Smoke Shop Insurance
Greenwood gives retail agents and brokers wholesale market access to Commercial Property, General Liability, Products Liability, Liquor Liability, and Excess Liability solutions for eligible tobacco product stores and e-cigarette or vape shops. Same-day quotes may be available for select locations under $1.5M TIV, subject to underwriting.
Smoke Shop Insurance Program
As a wholesale MGA, Greenwood General gives retail insurance agents and commercial brokers access to specialty retail markets for qualifying tobacco product stores and e-cigarette or vape retailers. Coverage options may include commercial property, general liability, products liability, liquor liability, and excess liability, with expedited quoting available for smaller property schedules. Explore all of our wholesale commercial insurance markets.
Available Coverages
Build a coverage structure around the premises, inventory, products sold, retail operations, liquor exposure, and higher liability limits of the account.
Commercial property coverage for qualifying smoke shop locations and business personal property.
General liability and products liability solutions for eligible premises operations and products sold by qualifying retailers.
Additional liability options may be available to complete the placement, subject to underwriting.
Program Highlights
The program combines fast quoting for smaller property schedules with multiple coverage options for qualifying retail accounts, subject to underwriting.
Submission Requirements
Complete submissions help underwriting evaluate the products sold, percentage of tobacco and vape sales, property and inventory values, security controls, theft exposure, liquor sales, and prior loss history — the fastest path to a bindable quote.
Built for Brokers
Submit a complete tobacco product store or vape shop account for access to Property, General Liability, Products Liability, Liquor Liability, and Excess Liability solutions for qualifying retailers — or contact underwriting to confirm eligibility.
Smoke Shop Insurance FAQ
Eligible classes may include tobacco product stores, e-cigarette stores, vape shops, and specialty tobacco retailers, subject to product mix and underwriting review.
Yes. E-cigarette stores and vape shops may be eligible, subject to products sold, sales mix, security controls, and underwriting review.
Specialty tobacco retailers, which may include cigar-focused stores, may be considered, subject to product mix and underwriting review.
No. Kratom products and Kratom-related exposures are not eligible under this program.
Coverage may include Commercial Property, General Liability, Products Liability, Liquor Liability, and Excess Liability for qualifying accounts, subject to underwriting.
Yes. Products Liability may be available for eligible retailers, subject to the products sold, sales mix, and underwriting review. Kratom exposures are not eligible.
Liquor Liability may be available for eligible accounts that sell alcohol, subject to sales and operations details and underwriting review.
Excess Liability and higher liability limits may be available for qualifying smoke shop accounts, subject to underwriting.
Same-day quotes may be available for eligible smoke shop, tobacco store, and vape store locations with total insurable values under $1.5M when a complete submission is provided.
Commercial Property capacity may be available up to $5M TIV. Larger schedules are typically reviewed with a turnaround of one to two weeks, subject to underwriting.
Underwriting reviews property values, business personal property, high-value inventory, security controls such as burglar alarms and cameras, and loss history. Theft sublimits may be available at 10% of business personal property, up to a maximum of $25,000, subject to underwriting approval and policy terms.
A complete submission typically includes ACORD 125, 126, and 140, a completed smoke shop supplemental covering products sold, sales mix, security controls, and theft exposure, currently valued loss runs, and liquor sales details when Liquor Liability is requested.
Greenwood General is licensed in 47 states. We currently do not write business in Florida, Georgia, or New York. Smoke shop eligibility still varies by carrier, class, products sold, sales mix, security controls, liquor sales, loss history, and underwriting guidelines — confirm eligibility with your underwriter.
