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VIP has developed exclusive insurance coverage forms to respond to the unique needs of the vape and e-cigarette industry. VIP is your vape insurance solution! The risks faced by vape retailers and manufacturers go far beyond standard exposures like slip-and-fall. Product malfunction claims, liability for e-liquid ingredients, and regulatory compliance issues are just a few of the complex challenges these businesses face—challenges that many carriers avoid. That’s where VIP steps in with a specialty solution designed for this evolving industry. Exclusive Vape Insurance Program from Veracity Insurance Solutions VIP, a division of Veracity Insurance Solutions, LLC, offers a specialized program tailored specifically for vape-related businesses. As a Managing General Agency and E&S Broker, VIP understands the nuances of this sector and provides comprehensive solutions to protect your clients and their operations. Ideal Accounts and Target Classes This program is designed for a wide range of vape-related businesses, including: Importers & Exporters Retailers and Vape Shops Mixers/Blenders of E-Liquids Manufacturers and Distributors Retail Stores with Vape Lounges Whether your client is a startup e-liquid blender or an established vape hardware importer, this program can accommodate a variety of business models. Coverage Highlights and Advantages VIP’s vape insurance program offers flexible and robust coverage options, including: Two policy forms to choose from Low minimum premiums starting at $2,500 Coverage through “A” rated carriers No health hazard exclusion for e-cig hardware or liquids Startups and new ventures eligible Property coverage available In-house underwriting for faster service General liability limits from $250,000 to $20 million Optional product recall and transit coverage Pollution liability coverage available These options help you protect clients from costly legal expenses and product-related liability claims that could otherwise threaten their business survival. Underwriting Notes and Minimum Premium With a minimum premium starting at $2,500, this program is accessible for both new and growing vape businesses. In-house underwriting allows for fast turnaround and personalized service. The program is written on a non-admitted basis using various carriers, giving you the flexibility to place challenging risks. Available Nationwide This program is available in most U.S. states, including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With Veracity Insurance Solutions Veracity Insurance Solutions has set a new standard in specialty insurance. With a strong focus on compliance, product knowledge, and responsive service, VIP delivers a seamless experience for agents and brokers. You’ll work with a team that values efficiency and is committed to protecting your clients' businesses during claims and beyond. This is where our Vape Insurance program comes in—offering specialized coverage and peace of mind for your clients in this unique industry. Frequently Asked Questions What types of accounts are a good fit for this vape insurance program?This program is ideal for vape shops, e-liquid manufacturers, importers, exporters, and distributors—including startups and new ventures. Is this coverage available in all states?The program is available in most U.S. states, including CA, NY, TX, FL, and many others. Contact us to confirm availability in your client’s state. Are startups or new vape businesses eligible?Yes, this program welcomes new ventures and startups, including first-time vape retailers or manufacturers. What liability limits are available?General liability limits range from $250,000 up to $20 million, with optional product recall and pollution coverage also available. Is there a health hazard exclusion in the policy?No, there is no health hazard exclusion for e-cigarette hardware or e-liquids, providing broader protection for your clients. Need help placing an account? Connect with a market specialist.

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Workers Compensation Insurance Program from Veracity Insurance Solutions Veracity Insurance Solutions, LLC offers a streamlined Workers Compensation Insurance program tailored to meet the needs of small and mid-sized businesses. Backed by an "A" rated carrier, this in-house program provides agents and brokers with fast turnaround times and access to a wide range of class codes and industry types. Whether you're looking to place new business or find a better fit for an existing client, Veracity makes the process simple and efficient. Target Classes and Ideal Accounts This program is designed to serve a wide variety of low to moderate-risk industries. Target industries include: Retail Shops Office Professionals Automotive Service and Repair Hospitality Light Manufacturing Importers & Distributors Restaurants With over 185 eligible class codes, Veracity’s program is well-suited for agents handling diverse commercial accounts. For example, you might have a client that operates a chain of retail boutiques, or a small machine shop with light manufacturing needs—these are excellent prospects for this program. Coverage Highlights and Program Features Access to approximately 185 class codes Premiums up to $25,000 Experience Mods up to 1.20 accepted Maximum acceptable loss ratio: 50% The program is underwritten through RTW and offers admitted coverage in all available markets. This gives you the confidence of placing your clients with a highly rated, stable insurance provider. Submission Requirements To ensure fast and accurate quoting, please include the following with your submission: Completed Accord Application 5-Year Current Valued Loss Runs 5-Year Premium Breakdown NCCI Worksheet Minimum Premium and Underwriting Notes The program requires a minimum premium of $500, making it accessible for smaller accounts that might otherwise struggle to find cost-effective workers comp coverage. The underwriting team evaluates accounts based on mod, loss history, and industry type, with a preference for clean, stable risks. Territorial Availability This Workers Compensation program is available in the following states: AK, AZ, AR, CO, CT, FL, GA, HI, ID, IL, IN, IA, KS, KY, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NC, PA, SC, SD, TN, TX, UT, VA, WI. Why Choose Veracity Insurance Solutions? As a direct access provider and carrier with in-house underwriting capabilities, Veracity Insurance Solutions offers brokers the ability to place workers compensation with confidence. Our efficient quoting process, competitive pricing, and industry-focused appetite make us a smart choice for agents looking to grow their commercial book. If your client falls within our appetite, we can help you deliver the coverage they need—quickly and reliably. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Ideal accounts include small to mid-sized businesses in retail, hospitality, office-based professions, light manufacturing, automotive repair, and food service. What is the minimum premium required for this program?The minimum premium for this program is $500, making it accessible for many small businesses. What documentation is needed to submit a risk?Required submission items include a completed Accord application, 5-year loss runs, 5-year premium breakdown, and an NCCI worksheet. Is this program available on an admitted basis?Yes, coverage is offered on an admitted basis in all available markets. How quickly can I expect a quote?Veracity Insurance Solutions is known for fast quote turnaround times, especially when complete submissions are provided. Need help placing an account? Connect with a market specialist.