Jewelry Store Insurance

Jewelry Store
Diamond rings on display in a luxury retail store window.
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Why do jewelry stores need insurance?

Whether you sell custom-made pieces or antique jewelry, you could lose a tremendous amount of money to a robbery or fire. Business insurance provides jewelers with funds to handle lawsuits, accidents, and theft and keep your business thriving.

Jewelry store employee helping a customer try on rings.
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Find the right coverage

Insureon helps jewelry store owners find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your jewelry business.

What types of business insurance do jewelry stores need?

These insurance policies cover common risks in the jewelry industry.
Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for jewelers to buy general liability coverage and commercial property insurance together.

  • Customer lawsuits
  • Damaged or stolen jewelry
  • Business interruption insurance
General liability insurance icon

General liability insurance

A general liability policy covers common third-party risks, such as accidentally dropping a customer’s watch. Bundle it 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
  • Disability benefits
  • Lawsuits from employee injuries
Cyber insurance icon

Cyber insurance

This policy helps jewelry stores survive data breaches and cyberattacks. It's recommended for any small business that handles credit cards or other sensitive data.

  • 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 (similar to excess liability insurance) boosts coverage on general liability, commercial auto, or employer’s liability insurance.

  • Bodily injury lawsuits
  • Property damage lawsuits
  • Auto accident 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
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does insurance cost for retail businesses?

A retailer applying for insurance quotes on a laptop.

A small jewelry shop will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Retail products and services offered, such as engagement rings or watch repair
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Coverage limits and deductibles
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How do I get jewelry store insurance?

It's easy to get jewelry store business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your jewelry store, whether you work independently or hire employees.

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