CHES Special Risk Inc. is one of the leading Package providers to the Cigar Store owners and operators. Our unique offering is to cover the risks that traditional package insurers may miss or provide at inadequate levels. We therefore design our products to provide a specific and tailored policy that gives you realistic cover at the right price.

Cigar Stores Insurance

Our long term involvement in this specialist area providing tailored solutions is what sets CHES Special Risk Inc. apart. We can cover the buildings, contents, equipment and the associated co-vers, such as Business Interruption, in addition to our specialist coverage for the CGL which is designed to ensure that we provide one of the most extensive product offerings in the market.


  • Commercial Broad form for Buildings and contents
  • Cigar humidor coverage includes spoilage of high value Cigar stock following an indemnifiable loss
  • Boiler and machinery coverage in case of faulty equipment
  • High Valued Stock values for smoking items such as Pipes,
  • Pottery, Pens and other high value luxury Items
  • Coverage extension to Include Boiler and Machinery

Commercial Form extensions include:

  • Contents
  • Glass
  • Earthquake and Flood
  • Master Key
  • Extra Expense
  • Fine Arts
  • Business Interruption – ALS 12 months
  • Crime
  • Money
  • Sewer Back-up


CGL extensions include:

  • Tenants Legal Liability
  • Pollution (Sudden and Accidental)
  • Medical Payments
  • Employee Benefit Liability
  • Personal and Advertising Liability
  • Employment Practice Liability
  • Products Recall Expense
  • None Owned Auto

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