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Professional Program Insurance Brokerage (PPIB) offers: Smoke Shop Insurance. Specialized Insurance for Smoke Shops Professional Program Insurance Brokerage (PPIB) provides a focused Smoke Shop Insurance program crafted for retailers that sell tobacco, vaping products, and related paraphernalia. The program is designed to be flexible for single-location shops up to multi-location retail operations, offering coverages that address the operational and property risks common to this niche. Ideal Accounts and Target Classes This program targets brick-and-mortar retail operations, including: Vape shops and vapor lounges (retail-focused) Hookah lounges (excluding nightclub-style operations and venues with bar/club exposure) Cigarette and cigar shops Independent smoke shops Paraphernalia and accessories retailers The appetite is retail-centric. Accounts with nightclub exposure, significant on-premises alcohol service, or entertainment/late-night club operations are outside this program’s typical scope. Coverage Highlights PPIB’s Smoke Shop Insurance program provides General Liability and Property options tailored to retail smoke businesses. Common coverages and features include: Building and tenant improvements coverage Business personal property and inventory protection, including theft (subject to underwriting) Loss of business income / extra expense coverage Outdoor signage and glass coverage Coverages can be customized to reflect whether a client leases space in a shopping center or owns their building. Limits and terms are determined through underwriting to match each account’s exposures. Underwriting and Program Structure This program is written on a non-admitted basis and is administered by PPIB as the program administrator. While specific minimum premiums are not published, PPIB’s underwriting team will review account size, location, inventory values, security controls, and operational practices to determine eligibility and pricing. Typical underwriting considerations include inventory turnover and storage, theft prevention measures, employee practices, and whether any on-site consumption or entertainment creates elevated liability exposure. States Where Coverage is Available PPIB’s Smoke Shop Insurance program is available in most states, including CA, TX, FL, NY, IL, and WA. Coverage is offered in the following jurisdictions: AK, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI...A, WI, WY, DC Why Work With PPIB? Professional Program Insurance Brokerage brings specialized experience placing hard-to-insure retail accounts in niche markets. Agents will find: Underwriters experienced with smoke, vape, and related retail classes Flexible, non-admitted solutions for non-standard risks Responsive service and support for retail agents and brokers nationwide Use PPIB when you need a market that understands the inventory, theft, and liability exposures specific to smoke shops and related retailers. Example fits You have a downtown vape shop with high foot traffic and a moderate inventory of e-liquids and devices — the program can provide tailored property and liability protection with theft controls considered in pricing. You represent a multi-location cigar shop chain seeking a consistent package across several states — PPIB can evaluate multi-location appetite and provide coordinated coverage through the program. Contact Professional Program Insurance Brokerage (PPIB) for Smoke Shop Insurance options and placement assistance. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for retail-focused smoke shops, vape stores, cigar shops, paraphernalia retailers, and hookah lounges that do not operate like nightclubs. Is this program admitted?No. The Smoke Shop Insurance program is written on a non-admitted basis in all available states. Can this program cover inventory theft?Yes. Property coverage can include inventory and theft protection, subject to underwriting review and agreed limits. Are multi-location businesses eligible for coverage?Yes. Multi-location retail operations can be considered if they meet the program’s underwriting guidelines and fall within the stated appetite. What states is this program available in?Coverage is available in most U.S. states, including CA, TX, FL, NY, and many others. Contact PPIB for state-specific details. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Products Liability Insurance. Overview of the Program from PPIB PPIB provides access to specialized Products Liability Insurance for a wide range of manufacturers, distributors, importers, and other businesses that deal with physical goods. As a trusted program administrator with deep experience in niche markets, PPIB offers flexible and responsive underwriting for hard-to-place product liability risks, including emerging or unconventional industries. Ideal Accounts and Appetite This program is designed for insureds involved in the production, sale, or distribution of consumer or industrial products. Target classes include: Manufacturers Importers and Exporters Distributors Private Label and White Label Brands Tattoo Equipment and Supplies Medical Devices Marijuana and Cannabis-Infused Products Research & Development Firms Clinical Trial Vendors PPIB has also successfully placed coverage for businesses in the following sectors: Beauty Products Electronic Cigarettes (E-Cigs) Skin Care and Cosmetics Makeup Lines Vitamins and Nutraceuticals Medical Marijuana Edibles Tattoo and Body Piercing Supplies If you have clients in these industries—or those launching new, innovative products—this program offers a viable solution. Coverage Highlights and Advantages PPIB’s product liability program includes key features to support complex and high-exposure risks: True Worldwide Coverage – Claims brought anywhere in the world are eligible, supporting global distribution models. Retroactive Coverage – Available for risks transferring from other carriers, helping you maintain continuous protection for your clients. Non-Admitted Capacity – Ideal for businesses that fall outside standard markets due to product type, claims history, or other factors. Underwriting Notes PPIB evaluates each submission based on product type, distribution method, volume, and safety protocols. Submissions should include complete applications and supporting documents. While minimum premiums vary, PPIB focuses on placing niche and specialty risks that may not meet the underwriting appetite of standard carriers. Territories and Availability Coverage is available in most U.S. states, including but not limited to: CA, NY, TX, FL, IL, and WA. PPIB can write business in all 50 states plus Washington DC, offering a wide national footprint for agents with regional or multi-state clients. Why Work With PPIB? Professional Program Insurance Brokerage (PPIB) brings decades of experience and underwriting flexibility to niche markets that are often underserved. Their team understands the complexities of unique product liability risks and offers tailored solutions across both emerging and mature industries. Whether your client is launching a new cosmetic line or distributing imported medical devices, PPIB can help you find the right fit—even when the risk is outside the box. Contact Professional Program Insurance Brokerage (PPIB) today for all your Products Liability Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, importers, distributors, and private label businesses, especially those in niche industries like tattoo supplies, cannabis products, skin care, and medical devices. Can this program handle products sold internationally?Yes, PPIB offers true worldwide coverage, which means claims brought anywhere in the world can be covered, making it suitable for global distribution models. Is retroactive coverage available?Yes, retroactive coverage is available for risks renewing from another carrier, helping maintain continuity in coverage for your insureds. What documents are needed for submission?Complete applications along with product details, safety information, and loss history (if any) are typically required to begin the underwriting process. Is this program admitted in any states?No, this program is written on a non-admitted basis across all available states. Need help placing an account? Connect with a market specialist. ...