Coverage Options
Jewelry Store Insurance
Every policy a jewelry business needs — in one place, from specialists who know the trade.
Jewelers Block Insurance
Jewelers block is the signature policy of the jewelry trade. It's an all-risk inland marine coverage that protects your stock of gems, precious metals, and watches wherever it is — in your showcases, in the safe, in transit, and even on memo from a vendor.
General Liability Insurance
General liability protects your jewelry business against third-party bodily injury and property damage claims — a customer who slips on a wet floor, trips on a display, or is injured in your store. Nearly every retail lease requires it.
Business Property Insurance
Business property (often part of a Businessowners Policy / BOP) covers the physical assets of your store — display cases, safes, computers, signage, build-out, and the building if you own it — against fire, water damage, vandalism, and more.
Workers Compensation Insurance
Workers comp is mandatory in nearly every state from your first employee. It pays medical costs and lost wages when a sales associate, bench jeweler, or appraiser is injured on the job — and protects you from employee injury lawsuits.
Customer Goods Coverage
When a customer leaves a ring for sizing or a watch for repair, that item is in your care, custody, and control. Customer goods coverage protects you if a customer's property is lost, stolen, or damaged while in your possession.
Commercial Crime Insurance
Not every loss comes through the front door. Commercial crime insurance covers employee dishonesty, theft, embezzlement, forgery, and fraud — closing the gap that jewelers block and standard policies leave for inside jobs.
Commercial Umbrella Insurance
A commercial umbrella extends your liability limits beyond what your underlying general liability and workers comp provide. For jewelers facing serious injury or lawsuit exposure, it's affordable peace of mind.
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