Basic Policy:  

 

• GL MP:  $1,200

• Prop MP:  $500

• Typical vape shop premium + fees $2,500 to $3,500

• Surplus Lines  

• Products/Completed Operations Excluded

• Theft Included

• Financing:  must use our financing or pay in full at time of bind request

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Enhanced Policy: 

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• GL MP:  $7,500 to $10,000 depending on qualifying program

• Prop MP:  $500

• Surplus Lines  

• Products/Completed Operations Included - see restrictions below

• Theft Included

• Financing:  must use our financing or pay in full at time of bind request

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F.A.Q.

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What is Product Liability?  

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Product Liability Insurance is the coverage which provides legal protection against a lawsuit which arises out of a product which you sell.  generally included in a General Liability unless it's specifically excluded. 

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Can I still be sued if I am not the manufacturer?

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YES.  Regardless if you are the retailer, importer, wholesaler, or manufacturer; you are liable for the product which you sell .  In the event of an injury, all parties are named in the lawsuit, and each must hire their own defense to litigate.  Litigation on vape cases take an average of 2.5 years and averages in defense costs alone $350,000.

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What's covered with Enhanced Policy?

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Below are examples of the most common claims which have been paid by the insurer: 

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• A device is left charging unattended catches on fire and burned down a house

• A device/battery explodes causing fire and seriously injuring a person   

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What's not covered with the Enhanced Policy?

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• All Health Claims - no coverage for cancer, disease, illness, diagnosis, condition, of any kind  

• Batteries manufactured by EFEST, LG, MXJO, Samsung, VRK, Lithicore, SubOhmCell, clones, and those labeled not for use in vape/ecig devices

• NOTE: we have another program which offers no coverage for loose batteries (18650 or similar).  This program is an option for e-liquid liability only and pricing is slightly less 

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NOTE:  Information provided on this site is for informational purposes only and does not constitute a guarantee of coverage or a quote.  We offer three programs from three different insurers.  Each has it's own terms, conditions, and policy language.  The quote and policy you ultimately purchase will supersede any information provided here.

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