Your tobacco shop is basically a retail store operation, but with a very specific clientele. Tobacco stores vary in the inventory which can include tobacco products, pipes, hookahs and possibly even beverages. One major difference between many tobacco shops and other retailers is that the product for sale is sometimes consumed right on premises.
As a retailer, you are running a business so your insurance needs will start with basic property insurance and commercial liability insurance, just as with many other businesses. But as a retailer you face some risks to your property, income and other assets that other businesses do not have to contend with. Miller-Hartwig Insurance has worked with many different types of retail shops, stores and operations over the years and we find that most need to pay special attention to insurance coverage for:
Insurance products you may need to consider as part of your risk management program include:
We can take the effort out of assessing your needs, weighing alternatives and can deliver the convenience of meeting all the insurance needs of your dental practice.
Contact Us for more information or a consultation