Data as of Aug 25, 2026 · Based on 271 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
For product liability insurance as a vape manufacturer, several specialized brokers are frequently cited for their industry experience. 
Brands AI recommends here
Veracity is a leading national option that provides highly customizable product liability coverage. They are well-regarded for offering in-house underwriting, serving both startups and established businesses with limits up to 100 million.
As a pioneer in this niche, Lionheart offers deep expertise in liability protection for vape manufacturers. They frequently partner with Lloyd's of London to provide specialized coverage for manufacturers and distributors.
PPIB is an expert in difficult-to-place risks for the vaping industry. They offer comprehensive coverage across all 50 states for manufacturers, specifically focusing on custom policies for e-liquids and vaporizer devices.
Lionheart Insurance ServicesSource | Citation share |
|---|---|
Product Liability Insurance for Manufacturers, Importers, and ...https://www.veracityinsurance.com/product-liability-insurance | 6.3% |
E-CIGS/VAPORS - Lionheart Insurance Serviceshttps://lionheartins.com/vape-juice-ecig-insurance/ | 6.1% |
E-Cigarette Insurancehttps://www.vapeinsurancepros.com/ | 5.9% |
 Specialized Smoke Shop Insurance Programs - PPIBhttps://www.ppibcorp.com/smoke-shop-insurance/ | 4.7% |
E-Cigarette and Vape Insurance | Veracityhttps://www.veracityinsurance.com/e-cigarette-insurance | 4.1% |
 E-Cigarette & Vape Product Liability Insurancehttps://www.insurancecanopy.com/product-business-insurance/vape-products | 3.1% |
 Insurance and Risk Management Brokerage | Brown & Brownhttps://castlerockagency.com/electronic-cigarette-product-liability-insurance/ | 3.0% |
 Professional Program Insurance Brokerage - ProgramBusinesshttps://programbusiness.com/market-directory/professional-program-insurance-brokerage/ | 3.0% |
 E-Cigarette & Vape Shop Insurance - Anthony Joneshttps://anthonyjones.com/business-insurance/vaping-and-electronic-cigarette-insurance/ | 2.9% |
Electronic cigarette product liability insurancehttps://www.products-liability-insurance.com/electronic-cigarette-product-liability-insurance/ | 2.3% |
Finding specialized product liability insurance for vape, e-cigarette, and e-liquid manufacturers can be challenging because many standard admitted carriers view the niche as high-risk due to battery safety concerns, chemical inhalation claims, and evolving FDA regulations.
Specialized managing general agents (MGAs) and brokerages that routinely handle or underwrite vape and smoke-related manufacturing risks include:
To help narrow down the best broker or program structure for your specific setup, could you share:
Yes. For U.S. vape/e-cigarette manufacturers, the market is specialized because many standard commercial insurers exclude vaping/ENDS exposures. The brokers/programs I’d put at the top of the list are:
Don't just ask for "general liability." Tell them you need products-completed operations/product liability for a vape manufacturer and ask them to confirm, in writing, that the policy covers:
For a manufacturer rather than a vape retailer, I'd start with VIP, Veracity, and PPIB. VIP is particularly interesting if you make both liquids and hardware, while Veracity/PPIB may be useful if you need a more conventional specialty-broker placement.
If you tell me what you're manufacturing (e-liquid, disposable vapes, batteries/hardware, or a combination), annual sales, and where you sell, I can narrow this down to the most suitable brokers and the likely coverage structure.
If you mean U.S. brokers that actually handle product liability for vape/e-cigarette manufacturers, rather than ordinary vape-shop insurance, these are the strongest starting points I found:
For a U.S. vape manufacturer, I'd approach VIP, PPIB, Veracity, and Calco first. The important distinction is that you want someone experienced with manufacturing product liability, not merely a broker who insures vape retailers.
When requesting quotes, I'd specifically ask about:
For example, VIP advertises up to $5M product liability and $50M excess liability, while PPIB's published vape program specifically identifies battery sublimits and limits of up to $1M/$2M on that program.
If you tell me what you're manufacturing (e-liquid, disposable devices, batteries/hardware, or both), annual sales, and the state where the company is based, I can narrow this to the 3–5 brokers most likely to be a fit and identify the relevant contact/quote pages.
Veracity Insurance Solutions , Professional Program Insurance Brokerage (PPIB), and Calco Commercial Insurance are the primary insurance brokerages that specialize in product liability for vape manufacturers. Because e-cigarettes, hardware, and e-liquids carry extreme risks—ranging from battery explosions to long-term health litigation—standard commercial insurance carriers typically refuse to cover them. Specialty brokers tap into the Excess and Surplus (E&S) lines to build these policies.
Specialized Brokerages for Vape Manufacturers
Critical Coverage Elements to Verify
When contacting one of these brokers, ensure your policy explicitly includes the following protections to avoid devastating gaps in coverage:
To help tailor recommendations, could you share your company's estimated annual revenue , if you import components from overseas , and whether you manufacture e-liquid blends, hardware, or both?
Yes. For U.S. vape/e-cigarette manufacturers, this is a specialty product-liability market, so I’d start with brokers/programs that explicitly handle vape manufacturing rather than a general commercial broker.
| Broker / program | Why it stands out |
|---|---|
| Vape Insurance Pros (VIP) | Very focused on the vape industry; explicitly covers e-liquid, devices/mods, private labels, manufacturers, importers and distributors. It advertises worldwide product liability up to $5M and excess liability up to $50M. www.vapeinsurancepros.com |
| Professional Program Insurance Brokerage (PPIB) | Specifically says it can insure e-liquid manufacturers and personal vaporizer manufacturers/distributors, with products-liability limits up to $2M/$3M and excess options. www.ppibcorp.comwww.vapeinsurancepros.com |
| Veracity Insurance Solutions | A major specialty broker that specifically markets e-cigarette/vape product-liability coverage, including manufacturers, importers and distributors. parse.glwww.vapeinsurancepros.com |
| Insurance Canopy | Offers vape/e-cigarette coverage to designers, manufacturers, distributors and sellers, including product liability and product-withdrawal coverage. www.insurancecanopy.com |
| Kinsale Insurance | This is a carrier rather than a broker, but worth knowing because its Products Liability division expressly lists tobacco and e-cigarette manufacturers/importers and battery-operated products such as e-cigarettes among its appetite. A broker can potentially approach Kinsale for the risk. www.kinsaleins.com |
If you're actually manufacturing the product, rather than operating a vape shop, I'd approach VIP, PPIB and Veracity first. VIP is probably the most narrowly focused on the industry; PPIB specifically calls out both e-liquid and vaporizer manufacturing; and Veracity is a larger specialty brokerage that can be useful for more complicated programs.
When getting quotes, make sure the broker understands whether you manufacture (1) e-liquid/nicotine products, (2) hardware/devices, (3) batteries/chargers, or (4) some combination, because those exposures can materially change underwriting. Also ask specifically about completed-products liability, product recall/withdrawal, private-label liability, imported components, worldwide sales, and excess/umbrella limits.
If you tell me what the company manufactures (e-liquid, disposable vapes, hardware, etc.), annual sales, where it's manufactured, and where you sell, I can narrow this to the 3–5 brokers most likely to quote it and identify which specialty carriers they appear to access.
Finding product liability insurance for vape or e-liquid manufacturers can be difficult because standard commercial carriers frequently decline or heavily restrict coverage for electronic nicotine delivery systems (ENDS) due to battery/explosion risks and changing FDA regulations.
Several specialized brokers, program administrators, and Managing General Agents (MGAs) focus specifically on or feature dedicated programs for the vaping and e-cigarette industry:
Note: When securing coverage as a manufacturer, always review policy wording carefully with your broker to ensure you don't have hidden "scheduled product" or "vape/health hazard" exclusions that invalidate coverage for specific liquids or hardware components.
If you'd like to narrow this down, please share:
I can provide more targeted questions to ask these brokers or help you outline what coverage limits you should target.
For a vape manufacturer, you generally want a broker that has experience with product liability, excess & surplus (E&S) markets, and the specific exposures of e-liquids, nicotine products, vape hardware, lithium-ion batteries, imports, and private-label manufacturing. Standard commercial brokers often cannot place these risks.
Some brokers/programs that specialize in or commonly handle vape product liability include:
| Broker / program | Specialty |
|---|---|
| Vape Insurance Pros | Dedicated vape/e-cigarette insurance program; covers manufacturers, e-liquid producers, device manufacturers, importers, distributors, and private-label brands. www.vapeinsurancepros.com |
| Veracity Insurance Solutions | Product liability specialist that specifically lists e-cigarette and vape products among its industries; works with manufacturers, importers, and distributors. www.veracityinsurance.comwww.vapeinsurancepros.com |
| Professional Program Insurance Brokerage (PPIB) | Specialty program broker with experience in vape/e-cig product liability placements. www.mynewmarkets.com |
| Lionheart Insurance Services | Specialty broker that markets e-cig/vape product liability coverage for manufacturers, importers, wholesalers, and retailers. lionheartins.comwww.vapeinsurancepros.com |
| Insurance Canopy | Offers specialty coverage options for vape businesses, including product liability-oriented programs. parse.gl |
For larger vape manufacturers (higher revenue, exports, multiple facilities, battery products, or large retailer contracts), you may also want a large specialty broker with casualty/product liability teams, such as:
These larger firms typically do not market themselves as “vape insurance” specialists but can access broader specialty markets for complex product liability risks.
When interviewing a broker, ask:
For a U.S. vape manufacturer, the most directly targeted starting points are usually Vape Insurance Pros, Veracity, PPIB, and Lionheart because they specifically advertise vape/e-cigarette product liability capabilities.
Finding specialized product liability insurance for vape, e-liquid, and electronic nicotine delivery systems (ENDS) manufacturers can be challenging because many standard commercial insurers shy away from the sector due to battery/fire risks and evolving health-hazard regulations.
A handful of specialized wholesale brokers and program administrators focus specifically on the vapor, e-cigarette, and smoke shop industries, offering dedicated product liability coverage:
Note: When securing coverage through a specialized broker, always review policies closely for hidden exclusions (such as "scheduled product" limitations, interstate sale restrictions, or absolute health-hazard/vape exclusions) that standard or non-specialized surplus lines carriers sometimes insert into policies.
If you'd like, let me know:
I can provide more targeted details on what risk management documentation these specific brokers require during the underwriting process.
Finding product liability insurance for vape hardware or e-liquid manufacturers can be challenging through standard commercial insurance because many mainstream carriers place strict exclusions on electronic nicotine delivery systems (ENDS) and batteries.
Specialized wholesale brokers, program administrators, and Managing General Agents (MGAs) navigate the Excess and Surplus (E&S) lines to secure coverage for vape manufacturing, e-liquid blending, and distribution.
Specialized brokers and programs in this space include:
If you'd like to narrow this down, let me know:
I can help identify which of these brokers best fits your specific product line.
If you mean U.S. brokers that specifically understand vape/e-cigarette product-liability risks, rather than a general commercial broker, these are the strongest matches I found:
Veracity Insurance Solutions — probably the first one I'd contact. Its product-liability practice explicitly lists E-cigarette and Vape Products, and it says it covers manufacturers, importers, and distributors. Its dedicated vape program also accepts manufacturers of e-liquid/e-juice and devices.
Vape Insurance Pros (VIP) — unusually specialized: its program is specifically for the vaping industry and covers manufacturers, private-label brands, importers, distributors, e-liquid/e-juice and device manufacturers. It says it is licensed in all 50 states.
Professional Program Insurance Brokerage (PPIB) — offers an E-Cig Product Liability program specifically covering e-liquid manufacturers/distributors and personal-vaporizer manufacturers/distributors, with products liability and excess liability options.
Calco Commercial Insurance — has a dedicated vape/e-cigarette commercial liability program covering manufacturers, importers, distributors, retailers and e-liquid companies. The business was acquired by Heffernan Insurance Brokers, so I'd verify the current placement/contact structure when approaching them.
For a local broker, I wouldn't assume that a general San Antonio broker has a vape appetite just because it writes product liability. For example, Steward Risk, LLC works with manufacturers and complex commercial risks, but I found no evidence that it specifically markets vape-manufacturer liability. Likewise, Quirk & Company has a manufacturing/product-liability specialty, but not an advertised vape-specific program.
My shortlist would therefore be Veracity, Vape Insurance Pros, and PPIB first, then use a Texas independent broker as a second channel if you need additional markets.
One important point: don't simply ask for "general liability." For a vape manufacturer, I'd specifically request products-completed-operations/product liability with no nicotine, tobacco, vaping, or e-cigarette exclusion, and have the broker confirm that the actual products and intended distribution territories are covered.
If you tell me what you're manufacturing (disposable devices, batteries, e-liquid, nicotine salt, hardware, etc.), annual sales, and which states/countries you sell into, I can narrow this to the brokers/programs most likely to fit and compare their coverage limits and underwriting requirements.
