--- title: "Smoke and vape shop insurance | CARMA" description: "Smoke and vape retailers can present premises, product, inventory, cyber, crime, employee, delivery, and contractual exposures that require..." canonical: "https://www.carma365.com/specialty-insurance/smoke-vape-shops/" --- 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. Prepared by [CARMA Insurance](/about/) Reading time 1 min read Content updated August 12, 2026 Carma Insurance LLC [Business entity NPN 21134854](/licensing-disclosures/) Related CARMA expertise [Zimraan Shikari, Director, Underwriting](/experts/zimraan-shikari/) [How we publish guidance](/editorial-standards/) [Discuss a smoke or vape shop](/contact/) 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. Account brief ## What to clarify before discussing this account **Clarify** Which products and brands are sold, and who manufactures or supplies them? **Confirm** How are age verification, inventory, cash, customer data, security, and delivery handled? **Prepare** Product, supplier, brand, location, sales-channel, and revenue information [Discuss a smoke or vape shop](/contact/) On this page 5 sections On this page [Describe products, suppliers, and sales channels](#describe-products-suppliers-and-sales-channels)[Connect the storefront to security and customer controls](#connect-the-storefront-to-security-and-customer-controls)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## 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. Important insurance and legal information CARMA's website provides general information only. It is not insurance, legal, tax, regulatory, underwriting, safety, risk-management, or claims advice. Nothing on this site is a quote, binder, policy, coverage determination, legal opinion, or promise of eligibility, availability, pricing, terms, limits, or placement. Only an issued policy and its endorsements can provide coverage, and their actual terms, conditions, limitations, and exclusions control. Sending information, following a link, or speaking with CARMA does not bind coverage, change a policy, or create authority to act for an insurer unless an authorized party confirms that authority in writing. Do not rely on this website to report a claim, request a policy change, satisfy a notice requirement, or meet a deadline. Use the instructions in the applicable policy or written communication. Laws, licensing, appetite, carrier participation, and external sources can change, so confirm time-sensitive matters with CARMA, the controlling source, and qualified advisers. [Read the complete website disclaimer](/legal-disclaimer/). [Back to top](#main-content) Continue researching ## Put this subject in the context of the full account. Account-specific review ## Bring CARMA the account. Retail agents, wholesale brokers, and business owners can start with the details they have. [Discuss a smoke or vape shop](/contact/)[Start a business insurance conversation](/contact/)