Specialty insurance

Smoke and vape shop insurance

Smoke and vape retailers can present premises, product, inventory, cyber, crime, employee, delivery, and contractual exposures that require account-specific review. The submission should identify what is sold, where products come from, and how customers and inventory move through each location.

Coverage and availability depend on the account, state, insurer and underwriting review. General information and nonbinding indications do not bind insurance; the applicable binder, policy, endorsements and law govern coverage.

Important insurance information

This guide is general information and does not determine coverage or legal requirements for your business. Policy terms, exclusions, conditions and available options vary. Contact the appropriate licensed insurance representative about your account, request confirmation of any coverage placed, and review the applicable insurance documents. An application, inquiry or nonbinding indication does not by itself bind or change insurance.

On this page 5 sections

Describe products, suppliers, and sales channels

List product categories, brands, suppliers, sales by category, online sales, pickup, delivery, and any private-label or manufacturing activity. Explain how products and vendors are reviewed before sale.

Connect the storefront to security and customer controls

Describe locations, hours, age-verification practices, inventory and cash values, point-of-sale systems, cameras, alarms, employees, leases, storage, delivery, and prior incidents.

Retail questions to resolve before submission

  • Which products and brands are sold, and who manufactures or supplies them?
  • How are age verification, inventory, cash, customer data, security, and delivery handled?
  • Does the business make, relabel, import, distribute, or sell any product under its own brand?

What CARMA wants the submission to explain

These details help the team understand the account and identify the next useful question. They do not establish eligibility or available terms.

  • List the products, brands, suppliers, sales channels, revenue mix, delivery activity, and any private-label work.
  • Describe age controls, inventory and cash values, point-of-sale systems, security, employees, and leases.
  • Identify manufacturing, relabeling, importing, distribution, contracts, licenses, losses, and requested coverage.

Records for a smoke or vape shop review

  • Product, supplier, brand, location, sales-channel, and revenue information
  • Building, improvement, equipment, stock, cash, security, cyber, employee, and delivery details
  • Leases, vendor and private-label contracts, licenses, current coverage, and loss history

Can CARMA consider this account?

CARMA confirms program fit, licensing, state availability, coverage options, and market interest for each account. This guide does not promise eligibility, terms, pricing, or placement.

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Account-specific review

Bring CARMA the account.

Retail agents, wholesale brokers, and business owners can start with the details they have.