Hookah Insurance

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.