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.
Business Property Insurance for Jewelers
Your jewelers block policy covers your stock — but not the showcases it sits in, the safe it's locked in, or the build-out around it. Business property (BPP) insurance covers the physical assets that make your store run.
What's Covered
- Building: If you own your storefront, coverage for the structure
- Tenant improvements & build-out: The custom showroom, lighting, and security you installed in a leased space
- Display cases & fixtures: Showcases, counters, mirrors, and shelving
- Safes & vaults: The physical safe (its contents are covered by jewelers block)
- Equipment: Point-of-sale systems, computers, security and alarm hardware
- Signage: Interior and exterior signs
Business Interruption
Most jewelry property programs include business income coverage — if a fire or covered loss forces you to close, it replaces lost net income and helps pay ongoing expenses like rent and payroll while you recover.
The BOP Advantage
Many jewelers package business property and general liability together in a Businessowners Policy (BOP), then layer jewelers block on top. Bundling typically lowers total premium and ensures the property and liability pieces work together without coverage gaps.
What's Covered
Frequently Asked Questions
No. Jewelers block covers your stock — the jewelry, gems, and watches. It does not cover the showcases, safe, build-out, computers, or signage. Business property fills that gap, and the two policies are designed to work together.
If a covered event like a fire forces you to close temporarily, business interruption replaces the income you lose and helps cover ongoing expenses such as rent and payroll while you rebuild and reopen.