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.
General Liability for Jewelry Stores
Your showroom welcomes the public every day. General liability (GL) is the foundation policy that responds when a customer or visitor is injured on your premises or you damage someone else's property.
What GL Covers
- Bodily injury: A customer slips on a polished floor, trips over a display fixture, or is hurt by a falling sign
- Property damage: You or an employee damages a customer's property, or property in a leased space
- Personal & advertising injury: Claims of libel, slander, or copyright issues in your advertising
- Medical payments: Minor injury costs without a lawsuit
- Premises liability: Incidents in your showroom, entryway, or parking area
Why Jewelers Need It
Mall management companies and commercial landlords almost universally require tenants to carry GL — typically $1M per occurrence / $2M aggregate — and to name the landlord as additional insured. Without a certificate, you can't take possession of the space.
What GL Does NOT Cover
GL does not cover your inventory (that's jewelers block), your building and fixtures (business property), theft by employees (commercial crime), or damage to a customer's jewelry left for repair (customer goods / care, custody & control). It's third-party injury and property damage only — one piece of a complete jewelry program.
What's Covered
Frequently Asked Questions
$1M per occurrence / $2M aggregate is the standard most malls and commercial landlords require. High-traffic locations or larger stores often carry higher limits backed by a commercial umbrella.
No. GL covers third-party injury and property damage only. Your stock is covered by jewelers block, and customer items left for repair are covered under care, custody & control. We bundle these so there are no gaps.