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Williams sued Aqueous Vapor for his injuries and the company sought coverage under its commercial insurance policy with Scottsdale, who denied coverage, citing the policy's products-completed operations hazard exclusion.(Credit: FOTOGRIN/Shutterstock.com) A consumer sued Aqueous Vapor for his injuries after an e-cigarette battery exploded in his pocket. The company sought coverage under its commercial insurance policy with Scottsdale Insurance Co., who denied coverage, citing the policy’s products-completed operations hazard exclusion.  (Credit: FOTOGRIN/Shutterstock.com)

Scottsdale Insurance Company, an excess and surplus lines insurer, does not have to defend a suit brought against e-cigarette retailer Aqueous Vapor by a customer who suffered severe burns after e-cigarette batteries exploded in his pocket, according to a ruling by The U.S. District Court for the Western District of Missouri.

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. The store’s coverage contained a commercial general liability part and a commercial property coverage part.

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