Jewelers Insurance
Coverage for Jewelry Businesses
Protect your most valuable assets with coverage designed for your unique risks.
You Work With High-Value Items Every Day — Make Sure They’re Protected
As a jeweler, you handle precious metals, rare gemstones, and custom-designed pieces worth thousands or even millions of dollars. You also appraise, buy, and repair valuable items for your clients. With so much at stake, one theft, appraisal error, or employee mishap could cause significant financial loss. The right insurance safeguards your business, inventory, and reputation.
The Risks Jewelers Face Every Day
Even the most secure jewelry stores encounter potential threats, such as:
Theft or burglary targeting your high-value inventory.
Property damage to your building, display cases, or repair equipment.
Mistakes in appraisals leading to costly liability claims.
Employee dishonesty or embezzlement.
Cyberattacks exposing customer payment and personal information.
Essential Coverages for Jewelers
To protect your store and assets, consider these key coverages:
Commercial Property Insurance – Covers your building, showcases, repair tools, signage, and more from covered perils.
Crime Insurance – Helps protect against theft, burglary, and other criminal acts not fully covered by property insurance.
Errors & Omissions (E&O) Insurance – May cover claims resulting from mistakes in appraisals or other professional services.
Employee Dishonesty Insurance – Protects against theft or fraudulent acts committed by employees.
Cyber Liability Insurance – Provides financial protection if a data breach or hack compromises customer information.
Equipment Breakdown Insurance – Covers the cost to repair or replace critical jewelry repair and cleaning equipment.
Workers’ Compensation – May cover medical expenses and lost wages if an employee is injured on the job.
Why Customized Coverage Matters
Not all jewelers operate the same way. A high-end diamond boutique faces different risks than a jewelry store specializing in repairs and appraisals. Off-the-shelf insurance packages may leave coverage gaps — your policy should be tailored to your inventory value, security measures, and services offered.
Protect Your Store, Your Inventory, and Your Reputation
With comprehensive jewelers insurance, you can focus on creating and selling beautiful pieces knowing your business is safeguarded against costly and unexpected events.
Ready to secure your coverage?
Let’s build a custom insurance plan that protects your jewelry business from every angle. Contact us today to get started.
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