Common questions about Smoke, tobacco, and vape shops
Answering the most frequently asked questions about Smoke, tobacco, and vape shops.
Does on-site vaping or lounge use change things?Gravity Certs2026-08-17T23:09:29-04:00
Substantially. Consumption on premises adds exposure and must be disclosed.
Do I need cyber coverage?Gravity Certs2026-08-17T23:09:28-04:00
Yes. POS and age verification systems hold customer data.
Is my inventory a theft target?Gravity Certs2026-08-17T23:09:27-04:00
Significantly. High-value, small stock plus cash makes this a frequent robbery class.
Does selling to minors affect coverage?Gravity Certs2026-08-17T23:09:27-04:00
Compliance failures can affect eligibility and are not themselves insurable. Documented ID checking matters.
Am I liable for a vape battery fire?Gravity Certs2026-08-17T23:09:26-04:00
Yes. Battery and device failures are a documented claim pattern naming retailers.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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