Complete Jewelry Business Protection
Protecting Your Craft, Your Clients
Stone setters perform some of the most delicate and highly skilled work in the jewelry industry. Whether you specialize in prong setting, bezel setting, pavé, channel setting, or advanced custom work, your daily tasks involve handling fragile gemstones, precision tools, and customer-owned valuables.
One minor mistake can lead to a cracked gemstone, damaged setting, or costly liability claim. Insurance for Stone Setters ensures that your business, tools, and the jewelry you handle are protected from financial loss, accidental damage, or unexpected disruptions.
Insurance Coverage
What Is Insurance for Stone Setters?
Insurance for Stone Setters is a specialized protection plan designed to cover the unique risks of working with diamonds, gemstones, and delicate jewelry components. Coverage typically includes:
Protection for customer jewelry and loose stones
Coverage for accidental damage during stone-setting work
Tool and equipment protection
Liability coverage for property damage or injury
Optional Workers’ Compensation for assistants or staff
Commercial property coverage for your workshop or studio
Whether you work independently, inside a jewelry store, or in a private studio, this insurance safeguards the financial stability of your craft.
Insure Your business
High-Risk Activities for Stone Setters
Stone setting involves precise, intricate work that introduces several professional risks, including:
Cracking or chipping gemstones during tightening
Damage to settings or prongs while adjusting or securing stones
Slips with tools such as gravers, pliers, or burs
Accidents involving torches, polishing machines, or chemicals
Repetitive motion injuries from detailed bench work
Handling customer jewelry valued from hundreds to thousands of dollars
A single mistake can be costly—proper insurance helps protect you.
What Insurance Covers for Stone Setters
Customer Property Coverage
Protects stones and jewelry entrusted to you from loss, theft, or accidental damage.
Tools & Precision Equipment Protection
Covers microscopes, hand tools, flex shafts, gravers, and specialty setting tools.
Liability Insurance
Protects you if someone is injured in your workspace or if property damage occurs.
Errors & Accidental Damage Coverage
Helps cover accidental gemstone damage or setting mishaps.
Property & Studio Protection
Covers your workbench, materials, and equipment against fire, theft, or other hazards.
Business Interruption
Replaces lost income if a covered event temporarily stops your operations.
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Business & Investment Insights
Resources for entrepreneurs, investors, and professionals exploring opportunities in California.
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Showcasing the state’s diverse communities, cuisine, events, and traditions.
Benefits of Insurance for Stone Setters
Protects you from expensive gemstone replacement costs
Covers essential tools and equipment
Provides liability protection for customer claims
Ensures compliance if you supervise or employ staff
Helps you maintain customer trust and professional credibility
Reduces financial risk from accidental damage or disruptions
Complete Jewelry Business Protection
Who Needs Stone Setter Insurance?
This coverage is essential for:
Professional stone setters
Independent stone-setting contractors
Jewelry stores with in-house setters
Freelance setters working for multiple jewelers
Custom jewelry designers who set their own stones
Micro-setting and pavé specialists
Workshop or studio owners
If your work involves securing or working with gemstones, you need protection.
Why Choose Us for Stone Setter Insurance
Decades of experience protecting jewelry professionals
Policies tailored specifically to the risks of stone setting
Affordable and customizable coverage options
Fast claims assistance and expert support
Protection for both tools and customer property
Coverage suitable for home studios, retail stores, or professional workshops
Our insurance solutions allow you to focus on precision work while staying protected.
General Liability Insurance for Stone Setters
General Liability Insurance is a foundational coverage for stone setters, designed to protect against everyday operational risks.
Why General Liability Insurance Matters
It helps protect you from:
Accidental damage to customer jewelry
Third-party injuries in your workspace
Property damage caused during repair or setting
Personal and advertising injury claims
Business Owner’s Policy (BOP) for Stone Setters
A Business Owner’s Policy (BOP) combines essential coverages in a single, cost-effective package:
General Liability Insurance
Commercial Property Insurance
Why Stone Setters Benefit from a BOP
A BOP provides:
Coverage for your bench, tools, equipment, and workspace
Liability protection for daily operations
- Lower costs by bundling multiple policies
Frequently Asked Questions
Our Insurance FAQs provide clear answers to common questions asked by jewelry store owners in California.
Yes, because of the high risk of gemstone and jewelry damage.
Yes, with the right accidental damage coverage.
Yes, tool and equipment protection is available.
Yes, customer property coverage protects items you are working on.
Yes, policies can be customized for home workshops.
It’s not required by law, but highly recommended.
Yes, optional add-ons like wildfire or earthquake coverage are available.
No, only if you have employees or assistants.
Yes, independent setters can be fully insured.
Yes, coverage can be tailored to your specific setup.
Contact us For your buisness
We’re here to support you. Whether you’re looking for information, have questions about our content, or want to explore collaboration opportunities, the USA California team is ready to assist. Connect with us through email, phone, or our contact form, and we’ll get back to you promptly with the help you need.