Jewelers Block Insurance
Standard lines of coverage do not offer sufficient protection for a high value inventory at jewelry stores, diamond dealers and luxury watch retailers in California. Jewelers Block Insurance is an industry specific policy that offers comprehensive protection for the exposures of jewelry businesses to defend what matters most.
In addition to pouring money into your equipment and store, you want a security feature that will be functional and also look the part.
What Is Jewelers Block Insurance?
Jewelers Block Insurance is a customized coverage designed for jewelry companies. Unlike a regular HO policy, it offers higher value coverage for:
Finished jewelry
- Loose diamonds and gemstones
- Gold, silver, and precious metals
- Watches, clocks, and luxury timepieces
- Tools, equipment, and repair machinery
This insurance can also protect items during transportation, trade shows, or while stored temporarily off-premises so you can have peace of mind and adaptability for your business.
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Why Choose Us
Jewellery And Precious Metals InsuranceExperience in the industry of jewelry and precious metals insurance.
California Jewelry Lines Policies written specifically for jewelry companies based in California
For valuable High-Limit Inventory Coverage
Flexible coverage for transit, tradeshows and off-premises stand alone locations
Fast, efficient claims handling
Expert help tailored to your business
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Comprehensive Protection for Customer Accidents
What does general liability insurance for Jewelry stores cover? General Liability Insurance includes bodily injury, medical payments, and lawyer fees. Keeps your business financially safe in the event of an accident occurring inside of your store.
Coverage for Property Damage Claims
It provides coverage for your business when customer belongings are damaged while being inspected, repaired or otherwise operated on. It can assist in the cost of repairs, replacements and legal defense if a claim is filed against your store.
Legal and Financial Security for Your Business
General Liability Insurance provides heavy financial backing during lawsuits that are for physical injury or property damage. It highlights legal representation and settlements to keep your jewelry store shielded and in compliance in California.
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Jewelers Block Insurance
For jewelry stores, diamond dealers, and luxury watch retailers in California, standard insurance policies often do not provide adequate protection for high-value inventory. Jewelers Block Insurance is a specialized policy designed to cover the unique risks associated with jewelry businesses, providing comprehensive protection for your most valuable assets.
Whether your store deals with diamonds, gold, gemstones, or custom-made pieces, this coverage ensures that your inventory, tools, and merchandise are protected against theft, damage, and other unforeseen risks.
- Professional Team
- Certification Organization
- Dedicated Experts
Inventory Protection
Covers your jewelry, watches, gemstones, and precious metals against:
Theft and burglary
Robbery
Vandalism
Fire and smoke damage
Accidental loss or mysterious disappearance
High-value inventory is a unique risk that requires limits far beyond standard property policies, making Jewelers Block Insurance essential for California jewelers.
Insurance Coverage
General Liability Insurance
General Liability Insurance protects your jewelry business from third-party claims, ensuring that a single incident does not jeopardize your financial stability. Even with strict security measures, accidents and injuries can occur, and this coverage provides peace of mind.
Key Benefits for Jewelry Stores:
Covers customer injuries in-store, such as slips or falls
Protects against accidental damage to customer property
Includes legal defense costs, settlements, and court fees
Covers accidents related to jewelry repairs or handling
For California jewelers, liability protection is essential due to high customEr foot traffic and valuable merchandise. This insurance ensures your business can operate confidently while minimizing risk.
Business Owner’s Policy
pays you for losses in income if your shop can no longer operate, temporarily, due to a covered event..A Business Owner’s Policy (BOP) combines essential insurance coverages into one cost-effective package, making it ideal for jewelry stores. This policy typically includes:
Property Insurance: Protects your store, display cases, tools, and equipment from theft, fire, or other covered events
General Liability Insurance: Protects against claims for customer injury or property damage
Business Interruption Insurance: Covers lost income if your store must temporarily close due to a covered event
A BOP provides a strong foundation of protection for California jewelry businesses while offering flexibility to add specialized coverages such as Jewelers Block Insurance, Cyber Liability, or Earthquake/Wildfire protection.
Frequently Asked Questions
Our General Liability Insurance FAQs provide clear answers to common questions asked by jewelry store owners in California.
A specialized policy that protects high-value jewelry, gemstones, and precious metals.
Yes, it covers jewelry, watches, gemstones, and other high-value merchandise.
Yes, coverage can extend to merchandise being transported between locations or to clients.
Yes, off-premises and trade show coverage is available.
Yes, jewelry-making tools, repair machinery, and display equipment are included.
Yes, employee dishonesty protection can be added as an optional coverage.
Yes, theft, burglary, and robbery are standard coverages.
Yes, California-specific natural disaster protections can be included.
Jewelry retailers, diamond dealers, luxury watch stores, and repair shops handling high-value inventory.
Yes, policies can be tailored based on inventory value, location, and security measures.
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