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Business Insurance for Jewelry Stores
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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 financial defense against everything from theft to an employee injury.
Choose the best rate and coverage
Insureon helps jewelry store owners compare insurance quotes from top U.S. providers online. Get several quotes with one application.
What types of business insurance do jewelry stores need?
These policies provide coverage for the most common risks of jewelers.
Business owner's policy
A BOP bundles general liability and commercial property insurance in one plan. It's often the most cost-effective type of commercial insurance for jewelry stores.
BEST FOR
- Customer injuries
- Damaged customer property
- Jewelry theft
General liability insurance
This policy covers common jeweler risks, such as accidental damage to a customer’s watch. Bundle with commercial property insurance for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
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.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Commercial umbrella 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.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Looking for different coverage? See more policies.
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.
How much does insurance cost for retail businesses?
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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