Jewelry Store Insurance

We place independent retail jewelers, including shops that design and do light bench work. Pawn, wholesale diamond memo houses, and traveling trunk shows as the main book are a different conversation. If you are a gallery that also sells jewelry, we schedule the jewelry as jewelry.

Jewelers block is a warranty-heavy form. Underwriters will ask about the safe rating, who has the combination, the alarm and response, showcases, and whether you leave stock in a window overnight. Those questions are the difference between a paid smash-and-grab and a denied claim for a breached warranty. We collect them before we bind so the application and the physical store match. Peak inventory — holiday, a custom-order season — is the number we schedule, not the January count.

Off-premises is where jewelers get hurt: a trunk show, a repair sent to a trade shop, a memo piece, a owner who wears stock to a dinner. The form has to follow those facts or we have to stop doing them. Employee dishonesty and a mysterious-disappearance grant are not automatic; we ask for them. Cyber matters if you take remote payments and hold client design files.

Premises liability is the customer at the case and the sidewalk. If you do on-site appraisals or take goods for repair, bailee on customer jewelry is its own limit. Washington staff stay with L&I; we place stop-gap and competitive-state WC. The landlord and the alarm company will want certificates — we issue them to the lease and the central-station contract.

Art galleries, gift shops, and specialty retail are the related pages. If jewelry is incidental costume, specialty retail may still be right. If it is real metal and stone, you are here.

Risks we actually schedule

• Smash-and-grab, safe burglary, or a denied claim because a alarm or safe warranty was breached.
• Off-premises trunk-show, memo, or wear-stock losses the form never followed.
• Customer goods in for repair or appraisal — bailee, not “contents.”
• Employee dishonesty on a high-value, pocketable inventory.