Insurance for Jewelry Stores

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  • Easy online application that gets you insured in seconds

  • Diamonds shine brighter when you're insured

  • Get back to selling jewelry in minutes

  • All-in-one excellent service for your jewelry store needs

Coverage Plans for All Your Needs


Essential coverages for your jewelry store

General Liability (GL)

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  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations


When you also have equipment or operate from a store

General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown


Get protected against employment-related issues

Business Owners Policy (BOP) + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation


When you have specific requirements

Including Business Interruption, Cyber Liability, etc.

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We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

Just like any retailer, jewelry stores need general liability and commercial property insurance. If you handle precious stones or high-value items, you also need jewelers block insurance. If you have employees, you need worker’s compensation, employee dishonesty, and employment practices coverage.

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Frequently Asked Questions

Why do Jewelry Stores need Insurance?

Jewelry stores are a unique retail shop. You don’t just sell a product; you make it possible for customers to create and buy a meaningful gift for loved ones. From engagement rings, pearl necklaces, anniversary pendants, and charm bracelets; customers can mark every occasion with a special memento. As a jewelry store owner, you know how important it is to have business insurance in place. Jewelry store insurance protects you from unforeseen events that can cost you everything.

This industry accommodates businesses that retail one or more of the following: new earrings (except gown earrings); new sterling and plated silverware; and new watches and clocks. Also included are establishments that retail new merchandise in combination with lapidary paintings and/or repair services.

What are risks Jewelry Stores could face?

It’s easy to think that jewelry stores only face one significant risk – theft. That is a big risk, but there are others along with it you need protection against:

  • Theft: Handling high-value merchandise makes you a target for thieves. Even with the best security systems, today’s thieves are capable of breaking in undetected leaving you with no merchandise and a hefty expense to replace it.
  • Damage to Jewelry: Many jewelers offer jewelry repair and cleaning. Customers trust you with their most prized possessions, but accidents do happen. If you damage, break or misplace their jewelry, you will need to pay to make it right.
  • Dishonest Employees: Hiring honest employees should be easy, but once in awhile a bad employee is plausible. Jewelry store employees work directly with the merchandise, and over time it’s easy for them to steal or embezzle funds.
  • Fire Damage: Nobody wants to think about a fire, but they do happen. When a fire destroys your building and all of its contents, the cost to rebuild and replace in addition to being without an income is enough to put you out of business indefinitely.

How much does Jewelry Store Insurance cost?

There is a large variety of types of jewelry stores. Depending on your merchandise value and location, the cost of jewelry store insurance varies. Most insurance carriers ask for information on security features, the value of merchandise, and what specialty services you offer. You can get a quote today for Jewelry Store Insurance by filling out our form online.

What is Jewelers Block insurance?

The problem with conventional insurance policies is that precious metals and gems aren't covered by the insurance. Jewelers' Block insurance covers many of the risks involved in your business. The insurance is like an Inland Marine insurance but with far higher limits and better coverage that is fit for your business.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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