Insurance By Trade
Hookah Bars & Lounges Insurance
Alternatives to smoke shops are growing at an exponential rate every year. A close second to the popularity of vape shops are hookah lounges – which capitalize on the social aspect of this commodity.
Even so, the risks associated with smoke shops and hookah lounges are fairly high, which can make finding general liability insurance a job in and of itself. Product liability, bodily injury, and property damage are all things that hookah business owners worry about and seek protection from.
- Commercial General Liability Insurance
- Commercial Property Coverage
- Loss of Income Coverage
- Equipment Breakdown Coverage
We will find the best coverage at the best price for your specific business and needs.
What it is Hookah Insurance?
Luckily, Small Business Liability is one of the few insurance companies out there that completely understands the risks associated with running a business where customers can buy hookah products and try them out in that same establishment.
Tobacco products can be a tricky thing for any generalized insurance company to cover, but our specialty insurance looks at a number of unique risks that can be found only in this up and coming industry.
5 Best reasons to Get Hookah Insurance
Protect Your Reputation
Insurance protects against employees misrepresenting your company.
Plan For The Future
Insurance protects against unforeseen risks.
Vital protection in a litigious society.
Prevent Financial Ruin
Insurance helps your business survive disaster.
Get Peace of Mind
Insurance protects the little guy
Unique Risk Coverage by Small Business Liability
Most general liability companies who provide insurance policies to hookah business owners calculate a generalized quote based on the risks that come from those who smoke hookah. Along with the potential health risks associated with hookah, an equal threat to the livelihood of such a business stems from a potential failure to produce proof of proper licensing when asked by a local or state regulatory agency.
We see more than that when it comes to insuring hookah bars, as we’re sure that you can. Some of the risks we calculate into coverage include:
Water pipe and product liability
Liquor liability for hookah lounges that want to serve alcohol as well
Liability that rivals any company which promotes cigarette use
Hookah smokers’ health and wellness concerns
Medical payments if your company is ever found to be at fault for the bodily injury of a customer
These are all common claims when it comes to hookah insurance. Smoking hookah can be a fun way for adults to socialize, but it has as many risks as any other bar which offers relaxing beverages, e-liquids, or drugs. It is best to look after your customers with a liability insurance policy. Not only will it enhance your reputation, but it will ensure that your customers are always happy.
The best part about creating or revising insurance policies through Small Business Liability is that they are customizable. Since commercial liability insurance only covers customers and/or third parties, your employees and your own property are often not covered. However, our policies can bundle life insurance policy options together in order for you to better protect your employees. Additionally, you can add property insurance and excess liability into this comprehensive package to protect yourself further, should your circumstances suggest that you ought to make such an investment.
A specialized liability insurance policy does not include
- Workers compensation for your employees
- Property coverage (unless you rent)
- Certain types of products, as well as personal property
- Life insurance policy options for your employees
Benefits of get insured by
Small Business Liability.com
Small Business Liability.com have created a comprehensive guide to the insurance required before starting a business for each of the specific professions listed below.
If you have any questions, we are staffed with experts in the insurance field willing to help.
With our expertice we can guide you to the right coverage for your business.
We know your time is really thight, but you can set up a call at any time, we are 24/7.