non tobacco related material Non-Cigarette Tobacco Products and POS Policies – Counter Tobacco NTRM (NOT TOBACCO RELATED MATERIAL)

The modern tobacco industry began in the US in the late 19th century with the industrial revolution and a combination of innovations - flue-cured tobacco, safety matches and James Brosnacks cigarette machine, invented in 1880

Working exclusively on your behalf as a fiduciary, we collaborate with your broker as a peer while identifying coverage gaps or overinsurance and presenting an objective pathway forward that reduces the financial and administrative burden insurance can create

The Tobacco Products Directive, which came into force in the UK in May 2017, restricts vapes to 2 millilitres of e-liquid with a strength of 20mg per millilitre or under in any single product

Titova OE, Baron JA, Fall T, Michaelsson K, Larsson SC

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