Employment Practices Liability Insurance for Ecig Stores

Employment Practices Liability Insurance (EPLI) protects e-cigarette and vape retailers against claims brought by their own employees — wrongful termination, discrimination, harassment, and retaliation. The exposure exists the moment a shop hires its first worker, and it is one that a general liability or property policy does not cover.

The e-cig and vape sector runs on younger, high-turnover retail staff, which is exactly the profile that drives employment claims. We place EPLI for these stores on a standalone basis or as an endorsement to a package/BOP, with defense costs and a range of limits and retentions sized to the number of employees.

Third-party EPLI — claims by customers alleging discrimination or harassment — is available on many programs, which fits a walk-in retail environment.

We can quote EPLI on its own or bundle it with the store's general liability, property, and product liability so the whole account is placed through one wholesale desk.

** Terms used here are a summary only. Always refer to the policy form for actual terms, conditions, and exclusions.