Business Insurance for Jewelry Stores

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Jewelry Store
Diamond rings on display in a 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 financial defense against everything from theft to an 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. 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 icon

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.

  • 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 commercial property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for jewelry stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

This policy helps jewelry stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

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.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Most states require commercial auto insurance for business-owned vehicles. This policy covers accidents involving a jeweler's delivery van or other vehicle.

  • Damage to another vehicle
  • Injuries caused to another person
  • Repairs due to vandalism or weather
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?

Retailer with a clipboard calculating the cost of business insurance.

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

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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