Specializing in Product Liability Insurance for the Vape & E-Juice Industries Since 2008 Multiple Vape Insurance Programs for Manufacturers, Importers/Distributors & Retailers: E-Liquid Coverage: PG, VG, Nicotine, Flavorings, and Fragrances.NO Health Hazard Exclusion Hardware Coverage: Mechanical and Electrical Devices.Including batteries, chargers, and all related accessories./insurance) to provide their members with coverage Our lobbying efforts include seven meetings in Washington D.C., at the Congress and Senate Offices We can provide User Warnings which you can place on your products (i.e.juice, hardware, batteries) Primary Liability limits: $250,000 to $5,000,000 with Option for Excess Liability for a combined total of $30,000,000 Licensed in all 50 states and the District of Columbia Will Consider sales from $1.00 to $1Billion We Make it Easy to do Business With Us: Quote by phone or online New ventures accepted All major credit cards and checks accepted Easy payment plans (Down payment + 10 installments) We are the Insurance Pros CALCO is the largest writer of insurance in the United States for the electronic cigarette, personal vaporizer, e-liquid, and vape store industries.

Our knowledge of the products has enabled us to improve policy wording to benefit our clients.We have the capacity to meet most vendor contracts and requirements regardless of the premium volume or product type.Rechargeable and disposable electronic cigarettes, personal vaporizer devices, and/or e-liquids which are manufactured in China or any other country are eligible for coverage.The policy we offer is CGL - Commercial General Liability: which includes Product Liability, Personal Injury, Advertising Injury, Medical Payments, and Tenant Liability.Additional coverages include product recall, product withdrawal, business personal property and loss of business income.Veracity Insurance Solutions' Vape Insurance Pros (VIP) program provides general and product liability insurance with specific coverages that are designed for those in the vape and e-cigarette industries.Whether these businesses manufacture e-liquid/e-juice and e-cig devices or operate a retail vape shop that sells e-cig devices, having the right type of insurance is vital to protect businesses.

Consider what could happen to a vape business owner if, for example, someone had an allergic reaction to an e-liquid that was sold?Or, what if they distribute e-cig devices that malfunction and causes bodily injuries or property damage?The business, and business owner, could be held legally liable for damages, even though they aren’t the physical manufacturer of the e-liquids or e-cigarette devices.Legal expenses alone could cripple a business but compensatory and punitive damage awards could put anyone out of business.As national leading experts in the industry, Veracity Insurance can help you navigate the insurance marketplace to obtain the broadest coverage available for your e-cig or vape business, no matter where you are in the country.Veracity created the Vape Insurance Program specifically with the vape and e-cig businesses in mind.The Vape Insurance Program offers benefits that many other insurance companies don’t, including: No Health Hazard Exclusions for E-liquids or E-cigarette Devices: Many insurance companies either totally exclude all health related issues or severely limit coverages.

Veracity’s insurance program specifically carves our e-liquids and e-cigarettes from the health hazard exclusions, providing your business with broader liability protection.Startups and New Ventures Welcome: While some insurance companies may deny coverage for new vape and e-cig companies, Veracity can help new ventures get the coverages they need.e cigarette ampérageLow Minimum Premiums: With multiple policy options available, you can choose the policy coverages that best fits your needs and your budget.e cigarette 69160Veracity offers some of the most competitive premiums in the industry, yet still provides the coverages that e-cig business owners need to safeguard their company.e cigarette unsafe

Additional benefits are available in the Vape Insurance Program through Veracity Insurance.Contact one of our experienced brokers to discuss coverage options available to you and your business.Whether someone works with high end mechanical Mods or they operate a vapor shop, Veracity is their insurance solution.e-cigarette associations alliance (ecaa)Veracity has created a program exclusively for e-cigarette and vape business owners.e cigarette avis pneumologueTarget Classes Manufacturers Distributors Importers Retailers Vape Shops / Stores Program Highlights Start-ups and new ventures welcome Low minimum premium No health hazard Exclusion General Liability limits: $250,000 - $20 million In-house underwriting authority Additional Coverage's Transit coverage Product recall coverage Property coverage Pollution coveragee cigarette bognor regis

The first thing that should be addressed is the quality of the e-liquids in the marketplace and making sure the e-liquid manufacturers follow the good manufacturing processes provided by the American E-Liquid Manufacturing Standards Association (AEMSA).Future e-cigarette industry claims are likely to come from allegations of contaminants (things not listed on the label) in e-liquids and imported batteries exploding or catching on fire.Certified AEMSA manufacturers that adhere to standards are considered better risks and are specifically identified and listed on the AEMSA website.Regarding batteries, a good risk management strategy would be to only buy batteries from a U.S.supplier that has product liability insurance and is willing to name your business as Additional Insured on their policy.What impact does the uncertainty from health organizations and researchers regarding the benefits and risks of e-cigarettes have on insurance carriers?The simple answer is most insurance carriers that are comfortable covering ingestible pharmaceuticals and dietary supplements will not offer a product liability policy covering e-cigarettes.

What impact does the FDA’s regulating e-cigarettes as tobacco products have on insurance carriers?Those insurance carriers willing to provide product liability insurance for e-cigarettes are narrowing coverage with exclusions and endorsements.Some insurance carriers use absolute health hazard exclusions.This appears to be the broadest of exclusions because it excludes any and all health hazards associated with e-cigarettes.If contaminates somehow get into the e-liquids, there is no coverage for bodily injury claims.Other insurance carriers will use tobacco and carcinogen exclusions.These exclusions do not exclude coverage for bodily injury due to contamination.Since the FDA now regulates and identifies e-cigarettes as tobacco products, a big concern is the tobacco exclusion.We recommend that such tobacco exclusions be amended to include language such as “Tobacco Product” does not include electronic cigarettes,, or any mechanical or electronic device that dispenses substances such as nicotine, flavoring agents or other chemicals that are marketed, advertised, sold for, intended for, used to simulate, mimic, substitute, or replace the consumption of any type of tobacco or substance containing nicotine.

These exclusions typically do not exclude coverage for bodily injury due to contamination.There are lots of questions surrounding the use of e-cigarettes, but maybe we’re forgetting the most important one:  If all tobacco users started using e-cigarettes instead of tobacco products, would they be better or worse off?Based on current data, millions of lives could be saved if tobacco users switch to e-cigarettes as a way of feeding their nicotine addiction.Let’s explore what we currently know about e-cigarettes and the tobacco products they are meant to replace.Currently, the FDA’s position is clear on the issue of regulation.As long as e-cigarettes are not marketed as medical devices or for therapeutic purposes the FDA will regulate them as a tobacco product.If marketed as a device to help stop smoking, the FDA states e-cigarettes must be regulated as drugs or medical devices, similar to nicotine patches and gums, and must pass through the same regulatory processes as nicotine patches and gums currently on the market.