Insurance for Tobacco Stores

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Coverage Plans for All Your Needs


Essential coverages for your tobacco stores

General Liability (GL)

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  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations


When you also have equipment or operate from a store

General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown


Get protected against employment-related issues

Business Owners Policy (BOP) + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation


When you have specific requirements

Including Business Interruption, Cyber Liability, etc.

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We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

When running a tobacco shop there is a great risk of damage, theft or crime, placing a large financial risk on your plate. Employees are at risk of injury as well as customers. Coverage for all those dangers can keep you and your store safe and in business regularly.

Act Now, Get Protected Easily, Quickly and Affordably

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Frequently Asked Questions

What are risks a tobacco store could face?

More than tobacco sales, people socialize in tobacco stores much like a cafe. Whenever customers spend time in your store, the liability risk increases because they are more likely to get hurt or damage your property. Also, if you sell flammable substances like lighters and refills, or allow smoking inside your retail space, the risk of your property catching fire is high. Tobacco products are a health hazard, so your store is always at risk of being sued. For these reasons it can be hard to get insurance for a tobacco store.

Why is Product Liability insurance important for a tobacco store?

When your customer becomes sick or injured from using the tobacco products you sell, Product Liability insurance protects your store's profits. Say a customer files a lawsuit against your store claiming that the product you sold exploded on his face, causing physical damage. If the court rules in favor of the customer, you'll pay for the injuries, the defense costs and any additional settlement costs. Product Liability insurance will manage the finances to that lawsuit while you continue to manage your store.

Do I need Workers Compensation for my tobacco store?

Yes. It is required in most states and it covers the medical and/or rehabilitation costs in the event that an employee got sick or injured while working on your tobacco store.

Does my Commercial Property insurance cover damage in my tobacco store caused by flood?

No. You will need to purchase additional protection that will supplement your insurance policy. You'll need a flood insurance policy through the National Flood Insurance Program (NFIP).

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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