Business Insurance for Jewelry Stores

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Jewelry diamond rings and necklaces show in luxury retail store window.
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Save money by comparing insurance quotes for jewelry stores

From diamond rings to gold bracelets, your inventory makes a jewelry store a risky enterprise. Jeweler’s insurance can provide a solid defense against everything from theft to employee injury.

Necklaces and rings on display at a jewelry store.
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Choose the best rate and coverage

Insureon helps jewelry store owners compare insurance quotes from top U.S. carriers online. It’s free and only takes 15 minutes.

What types of business insurance do jewelry stores need?

These policies provide coverage for the most common risks of jewelers.
Business owner’s policy icon

Business owner's policy

This policy bundles commercial property and general liability insurance in one plan. A BOP is often the most cost-effective type of commercial insurance for jewelry stores.

  • Customer injuries
  • Damaged customer property
  • Jewelry theft
General liability insurance icon

General liability insurance

This policy covers common jeweler risks, such as accidental damage to a customer’s watch. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for jewelry stores that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Umbrella / excess liability insurance icon

Umbrella / excess liability insurance

Once a jeweler’s policy limit is reached, umbrella insurance (or excess liability insurance) boosts coverage on general liability or employer’s liability insurance.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for retail businesses?

Woman with clipboard calculating cost of insurance for her retail business.

Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Why do jewelry stores need insurance?

The stakes are high for jewelry store owners. Whether you sell custom-made pieces or antique jewelry, you could lose a tremendous amount of money following a robbery or fire. Small business insurance for jewelers can provide you with the funds to handle an unexpected event and keep your business thriving.
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