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These stores sell a wide variety of smoking supplies, such as cigarettes, cigars, loose tobacco, pipes, rolling papers and chewing tobacco. Specialty supplies such as hookahs may be in stock. Candies, gum, snacks and current periodicals may also be sold in tobacco stores.

General Liability Insurance for Tobacco Shops – All areas of the premises that are accessible by customers should be kept in good condition and have no potential for trips and falls. Glass counters and cases should be free of defects and sharp corners in order to prevent customer injury. Adequate walking space should be available and tobacco stores should be neat and clean. Floors should be swept and/or vacuumed daily as part of a good housekeeping routine. Exits should be highly visible. If stores import foreign tobacco products, they are at higher risk of products liability.

Workers’ Compensation Insurance for Tobacco Shops – Employees’ lungs and breathing can be adversely affected as a result of second hand smoke at tobacco shops. Designated smoking areas should be provided. Employees should also be trained to properly lift and handle stock. Tobacco shop employees should also use caution when using cigar cutters in order to prevent injury.

Business Auto Insurance for Tobacco Shops – If tobacco store vehicles are used for employees to run any errands, the risk of automobile accidents is increased. Drivers should have acceptable driving records and have their MVRs checked frequently. Regular maintenance is required of company vehicles with records kept on file. Increased business auto risk factors can be triggered by heavy city traffic conditions, nighttime travel, and cell phone usage while driving.

Property Insurance for Tobacco Shops – Theft and fire are major risks for tobacco shops. Tobacco products are widely used and can be expensive. Therefore, theft is a concern. Alarms, security systems and cameras should be in place to help reduce the risk of theft. Fire and water can damage or ruin tobacco products, possibly resulting in a total loss during a fire. Extinguishing systems should be installed to prevent additional damage during a fire. Tobacco shop employees should be trained to properly use fire extinguishers. All fire extinguishers should be inspected every year and recharged as needed.

Crime Insurance for Tobacco Shops – Employees may be tempted to steal tobacco products due to their high demand and small size. Inventory should be counted often to help prevent employee theft. Embezzlement, robbery, and burglary are other possible crime risks at tobacco shops. The use of protective systems and alarms should help deter burglars. Money should be deposited regularly and cash flow should also be closely monitored. Employees should have separate duties to help prevent embezzlement of funds. Pre-employment screening, including reference checks and detailed applications, should also be performed for prospective employees.