Business Insurance for Jewelry Wholesalers

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Jewelry Distributor
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With such valuable inventory, jewelry wholesalers take on major risks. Business insurance helps you recover quickly from theft, injuries, lawsuits, and other costly incidents.

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Insureon's licensed agents help jewelry wholesalers find the right insurance for their risks. Compare quotes from top providers with an expert at your side.

What types of insurance do jewelry wholesalers need?

These policies cover the most common risks faced by jewelry wholesalers.
General liability insurance icon

General liability insurance

This policy covers basic jewelry wholesaler risks, such as customer property damage and injuries. 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 wholesalers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical costs
  • Partial missed wages
  • Employee injury lawsuits
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability insurance in one plan. It's often the most cost-effective type of business insurance for jewelry wholesalers.

  • Customer injuries
  • Inventory damage or theft
  • Business interruption incidents
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Once a policy’s limit is reached, umbrella insurance boosts coverage on a jewelry wholesaler’s general liability, commercial auto, or employer’s liability insurance.

  • Customer injury lawsuits
  • Auto accident lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance for jewelry wholesalers can pay for property damage and injuries in an accident. It can also cover vehicle theft, weather damage, and vandalism.

  • Vehicle accidents
  • Vandalism and theft
  • Weather damage
Surety bond icon

Surety bonds

Surety bonds guarantee that clients will be reimbursed by the insurer if a jewelry distributor or wholesaler fails to deliver products or fulfill the terms of a contract.

  • Failure to deliver products
  • Contract disputes
  • Shipping delays
Looking for different coverage? See more policies.

Why do jewelry wholesalers need insurance?

A burglary at a storage facility or a lawsuit over a delayed delivery could devastate a small wholesale business. Insurance for wholesale jewelry suppliers ensures your business can survive property damage, legal fees, injuries, and accidents. It also provides peace of mind for both you and your clients.

How much does insurance cost for wholesalers?

Woman calculating wholesale costs with cargo, truck, and people.

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

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