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Type of Tobacco Products Used The type of tobacco products that an applicant currently uses, or has used in the past, can have a significant impact on assigned underwriting class and ultimately premium rates

Whilst we actively endorse and, wherever possible, adhere to the relevant Standards, we feel in this specific instance signs permitting smoking should under no circumstance be deemed as safe

From a harm-reduction perspective, thinner papers are a good choice because they reduce the amount of paper material being burned overall

Smoking cessation by age 40 years decreased mortality by 90% compared with those who continued smoking, and premature death would be decreased by 40% if persons who smoke quit by age 60 years, validating the benefits of smoking cessation regardless of age

Our team works quickly to reduce damage, restore safety, and help properties return to normal as soon as possible