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.
Customer Goods & Care, Custody and Control
Every repair ticket is a liability. The moment a customer hands you their grandmother's diamond ring for sizing, you're responsible for it. If it's lost, stolen, or damaged on your watch, you owe the customer — and standard liability policies specifically exclude property in your "care, custody, or control" (CC&C).
What's Covered
- Repair & sizing: A ring damaged during sizing, or lost from the repair tray
- Bench accidents: A stone chipped or cracked during setting, a watch damaged during service
- Theft of customer items: A customer's piece stolen in a robbery or burglary alongside your own stock
- Appraisal & cleaning: Items held for appraisal, cleaning, or restringing
- Loss in transit: Customer goods sent to an off-site trade shop or laser-welding specialist
Why It's a Separate Need
General liability excludes property in your care, custody, and control — exactly the situation a repair drop-off creates. Jewelers block can be endorsed to cover customer goods, but the limits and terms must be set correctly. We make sure your CC&C limit reflects the real value of what passes across your bench.
The Bench Jeweler Exposure
Bench jewelers work on irreplaceable, high-value, often sentimental pieces. A single mistake — a cracked emerald during setting, a melted prong, a lost diamond — can turn into a claim worth tens of thousands of dollars. Proper customer goods coverage is what stands between that mistake and your bank account.
What's Covered
Frequently Asked Questions
Care, custody and control (CC&C) coverage protects you when a customer's property is in your possession — for repair, sizing, appraisal, or cleaning. Standard general liability specifically excludes this, so jewelers need it added to their jewelers block program.
If a stone is chipped, cracked, or lost during repair or setting, customer goods coverage responds to the customer's loss — paying to repair or replace the item up to your policy limit, rather than the cost coming out of your pocket.