Electronic Cigarette & Vape Insurance – The CALCO Advantage

Calco Commercial Insurance is proud to be SFATA‘s choice as the premiere insurance provider for the e-cigarette and vape industry. Since 2008 we have been providing our vape clients with unparalleled insurance that provides more coverage than other vape policies and limits the amount of dangerous exclusions. This is what we refer to as the “Calco Advantage.”

For many of you that own vape, e-liquid, and e-cigarette companies, it’s difficult to find an insurance company that will actually agree to cover you. And many times when you do find an insurance provider, that company will view and rate your e-cigarette company as a tobacco products company. In turn, this means that your insurance policy has the same exclusions as a tobacco company’s insurance policies. But why, you might ask? To those of us that are in the vape industry the differences are clear-cut: cigarettes burn tobacco, e-cigarettes vaporize liquid. But to the non-smoker or non-vaper, both cigarettes and e-cigarettes contain nicotine and release clouds into the air, so they’re all the same. At Calco we know that couldn’t be more wrong and that’s why we’ve come up with a customized insurance policy for the vape industry that we commonly refer to as the Calco Advantage.


By pooling our vape clients together and using the insurance premiums as security, we’re able to offer preferred rates to our insureds in addition to expanding the scope of coverage. Our policy is written specifically to protect the exposures of vape and e-cigarette manufacturers, importers, distributors, and retailers. Other policies will charge higher rates and provide less coverage with more exclusions for the simple fact that they just don’t understand what vape companies need like we do. Calco also provides safety labels and warnings for our clients to ensure that all of your customers are well-informed of the potential harm that can come from mishandling your products. These labels are now the standard in e-liquid manufacturing around the world. It has always been a goal of ours to keep e-cigarettes and vaping as safe as possible by minimizing the number of injuries and claims in the industry.

It’s important to protect yourself as a business entity in a high-risk industry. Without proper electronic cigarette and vape insurance, you can easily find yourself in one of the following scenarios:


  1. Once a claim is filed against you, the initial “discovery period” will typically cost $10,000 – $20,000 per side for legal fees.  For those who have not heard this term before, this is the period which an attorney collects or gathers information.  The cost of the trial, mediation, or expert witness costs are not included during this discovery period.
  2. Finding the wrong attorney can lead to a disaster.  An inexperienced attorney can potentially loose a case, which will result in “case law”. This would cripple the defense of all future lawsuits against the electronic cigarette companies and negatively effect the entire industry.
At Calco we add value to your business by helping you protect yourself as a legitimate company in a groundbreaking industry. In turn, your business continues to solidify the Calco Advantage as the obvious choice in e-cigarette and vape insurance.  In a collaborative effort, we can strive and achieve what we all we are entitled to.  Success comes from strength, detection, and common goals. Share your knowledge with others, and other will share theirs with you. We are happy to provide free advice and counseling to anyone who is interested in learning.
For more information or to obtain an electronic cigarette insurance quote or vape insurance quote feel free to contact us at (877) 225-2699

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