X

Thank you for sharing!

Your article was successfully shared with the contacts you provided.

The U.S. District Court for the Western District of Missouri has decided that an excess and surplus lines insurer does not have to defend a suit brought against a vape store by a customer who suffered severe burns after e-cigarette batteries exploded in his pocket. The case is Scottsdale Ins. Co. v. Vapor, No. 4:20-00328-CV-RK, 2021 U.S. Dist. LEXIS 5296 (W.D. Mo. Jan. 12, 2021).

Scottsdale Insurance Company issued an insurance policy to Aqueous Vapor, a vape shop. The policy contained a Commercial General Liability part and a Commercial Property Coverage part. While the policy was effective, a customer of Aqueous Vapor, Adam Williams, was injured just after he installed the batteries into his e-cigarette, when the battery exploded in his pocket. Williams suffered second- and third-degree burns which required extensive medical care, including skin grafts. When the explosion occurred, Williams was no longer on the premises of the vape shop.

This premium content is locked for
FC&S Expert Coverage Interpretation subscribers.

Request a Free Trial today to enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Trusted, quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].

Hannah Smith

 

Get Answers Directly From the FC&S Experts

Submit your coverage interpretation question to the editors of FC&S for quick and reliable information.

Question of the Week

Insurance Q&A of the Week: Monkeys on the Run ›

What happens when monkeys escape from a private home.

Question of the Week Archive ›

Copyright © 2021 ALM Media Properties, LLC. All Rights Reserved.