Electronic cigarette insurance

Insurance especially for the e-cigarette industry

In the past, businesses in the e-cigarette industry may have experienced difficulty obtaining comprehensive insurance and cover such as product liability. Lack of historical statistics, concerns around long-term side effects and recent claims from devices causing fires/explosions had resulted in many insurers being reluctant to offer comprehensive cover at a competitive price.

Our specialist team overcomes these challenges using their in-depth knowledge and expertise in sourcing tailored and competitive insurance solutions. Our clients include:

  • Manufacturers of e-liquid
  • Wholesalers
  • E-cigarette retailers


How our e-cigarette insurance experts can help

Our experienced team has the industry knowledge required to tailor an insurance package to suit your individual needs. Whether you specialise in device retailing, wholesaling, e-liquid retailing or manufacturing, we will work to find you the right policy.

Types of e-cigarette insurance cover

  • Public liability – covers you for the cost of a claim arising from a suffered injury or property damage caused by you or your employees.
  • Product liability – protects your business against damage caused to third party property and bodily injury (conditions apply).
  • Employers liability – compulsory by law for most businesses. Employers liability provides cover if a worker suffers an injury or an illness they believe is your fault.
  • Premises insurance – protects your business premises from escape of water, accidental damage, fire and more (see policy wording for full details).
  • Stock cover – covers the costs of replacing your stock if any of it is lost, stolen or damaged.
  • Cyber liability – protects your business from cyber-criminal activity such as hacking and cyber extortion, along with the legal and reputational fall-out caused from a data breach.
  • Directors and officers – also known as management liability portfolio insurance (MLP), provides any director, partner or employee acting in a managerial capacity on behalf of the company; for defence costs incurred during a claim and awards made against you personally.
  • Goods in transit insurance and commercial vehicle – covers products from theft, loss or damage while they are being transported.

Vape shop insurance

Owning a shop can be challenging, but an e-cigarette or vape shop can be even more demanding. Not only do you have extra laws to contend with, you also have to ensure you have the right cover in place to protect your business should the worst happen.

That’s where we can help. Speak to our highly trained and knowledgeable advisors who will gather all the information required and find the most suitable insurance cover for your business.

  Vape manufacturer insurance

The vape manufacturing industry is increasing day-by-day and is continually adapting to meet increasing demand and legislative changes.* We understand the specific challenges and difficulties faced by vape manufacturers and wholesalers.

Our knowledgeable and experienced advisers can provide a full insurance review, which will enable us to tailor a solution for your specific requirements.

* https://vapeuk.co.uk/blogs/vape-uk-latest-news/e-liquid-vape-trends-2020


In the event of a claim, you will want your loss to be dealt with quickly and efficiently.

Our experienced claims team will ensure that claims are reported to insurers promptly and dealt with fairly, with a view to securing a swift and satisfactory settlement on your behalf. We will also provide regular updates as to the progress of your claims.

Frequently asked questions

Does my business need employers liability insurance?
Yes. Under the Employers Liability (Compulsory Insurance) Act, if your company employs staff, you are required by law to have employers liability insurance in place. This insurance will enable you to meet the cost of any compensation due should an employee suffer injuries or illness, whether they are caused on or off-site.
When do I need to get employers liability cover for my business?
You require employers liability cover from the day your care business starts employing staff. From the moment you have any person to whom you are responsible, whether paid or not, you are at risk of legal action. To qualify as "staff" a person does not have to be paid or under contract to you. It includes any person to whom you have a legal duty of care. This means that sometimes even sole traders will need employers liability insurance.
What is the minimum cover I need to have in place for my business?
The level of cover you need will depend on many factors. We would need to assess your business and the risks it faces, then make recommendations. Other influences that can dictate how much cover you need are the types of people you care for, local authority requirements to meet your contract terms and any previous insurance claims you have made. In larger organisations, or where several employees are in one location, we'd recommend increased limits of cover are arranged. 
As an employer, you're legally required to have employers liability cover for compensation of at least £5 million, but most policies will offer cover for £10 million.
How much public liability insurance will I need?
The level of cover you need depends on the risks your practice faces. Cover can be anywhere from £2m to £10m or beyond. The patients you deal with, or local authority contracts you have tendered for may dictate the minimum value of cover you need.

What our client say

I have been supported by Amjad, from Marsh Commercial, since 2019 and he is my first port of call for all of our business insurance needs. I have found him to be professional in his approach, honest and very trustworthy. He has consistently delivered an excellent level of customer service and I have no hesitation in recommending him to anyone.

Hilary Howell
Herbal Tides LTD

Peaky Vapours have used Marsh Commercial Insurance since June 2019. Dealing with Amjad is always a pleasure; he always has time to make sure that everything is just as we need. The prices are probably the best I’ve come across.

A very professional business, highly recommended.

Margaret Barker
Peaky Vapours Limited