Cigar Lounge

Save up to 30% on your business insurance

Light up your security with Cigar Lounge insurance!

Let Coverage Cowboy help you find the right cigar lounge insurance coverage to protect your business from potential liability claims.

From accidental fires caused by incorrectly extinguished cigars to client injury while they are enjoying a smoke, we can provide coverage tailored to your cigar lounge business.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Cigar Lounge businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is important for cigar lounge owners to protect against potential claims of injury or property damage. It covers legal costs if a customer slips and falls on the premises, or if expensive furniture and equipment are damaged due to negligence. It also covers advertising injuries, such as copyright infringement or false advertising.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is a must for any cigar lounge that uses vehicles for business purposes. It can provide coverage for medical expenses, property damage, and bodily injury resulting from an accident. It also provides protection in the event of theft or vandalism of the vehicle. With this type of insurance, cigar lounge owners can rest assured that they are financially protected in the event of an accident.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is necessary for cigar lounges to cover medical costs for employees who are injured on the job. It also provides financial protection in case a worker sues for lost wages or benefits. This type of insurance can help cigar lounges protect their business from costly legal fees and settlements.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is essential for cigar lounges to protect their physical assets. It covers damage to the building, equipment, furniture, and inventory due to fire, theft, vandalism, and other disasters. It also covers lost income if the business has to close due to a covered event. This type of insurance is especially important for cigar lounges that own their building, as it can help cover the cost of repairs or rebuilding, as well as any potential liability issues related to the sale of cigars.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Cigar Lounge business insurance

How does business insurance protect my cigar lounge?
Business insurance can protect cigar lounges from a variety of potential risks, such as property damage, liability claims, and business interruption. Here are a few examples of how different types of business insurance can provide protection for a cigar lounge:
Liability insurance: This type of insurance can protect a cigar lounge from lawsuits stemming from injuries or accidents that occur on the property. For example, if a customer has an allergic reaction to the smoke and sustains injuries, the lounge could be held liable for the damages. Liability insurance can help cover the cost of legal fees and any settlements or judgments awarded to the injured party.
Property insurance: This type of insurance can protect a cigar lounge from damage to its building, equipment, and inventory. For example, if a fire damages the building and equipment, property insurance can help cover the cost of repairs or replacement. Similarly, if the lounge’s inventory of cigars is destroyed due to a power outage, the policy may cover the cost of replacing it.
Business interruption insurance: This type of insurance can provide coverage if the lounge is forced to close temporarily due to a covered loss. For example, if a fire damages the building and the lounge is closed for repairs, business interruption insurance can help cover lost income and expenses, such as payroll, during the closure period.
Workers Compensation: This type of insurance provides protection and medical coverage for employees that get injured or falls ill in connection to the work they are performing.
What do I need to get an insurance quote?

Obtaining a cigar lounge insurance quote is a cinch! To start the process, gather the following information about your lounge:

  1. Business name and contact information
  2. Location and square footage of your cigar lounge
  3. Estimated annual revenue and payroll
  4. Number of employees
  5. List of your key assets (e.g., humidor, furniture, ventilation system)
  6. Additional services offered, if any (e.g., food, beverages, events)

With these details ready, you’re all set to request a customized insurance quote for your cigar lounge. Our team is here to help you find the best coverage at the right price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


Want to chat?

We're here to help

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.