Jewelry Store Insurance

Jewelry stores carry some of the highest-value inventory per square foot of any retail business. Between theft exposure, valuable merchandise, and custom work liability, jewelry businesses need specialized coverage beyond standard retail insurance.

Essential Jeweler Coverages

Jewelers Block Insurance

The cornerstone coverage for any jewelry business. Covers your inventory, consignment pieces, and customer items in your care against theft, damage, and mysterious disappearance — in your store, in your safe, in transit, and at shows.

Crime / Robbery Coverage

Covers losses from armed robbery, burglary, employee theft, and smash-and-grab incidents.

General Liability

Covers customer injuries in your store and claims from custom work — allergic reactions to metals, stone damage during setting, or repair mishaps.

Business Income

Replaces revenue during forced closures — critical given the high value of inventory that may be destroyed.

Common Jewelry Store Claims

Armed robbery or smash-and-grab theft
Employee theft of inventory
Customer's heirloom damaged during repair
Fire destroys display inventory
Stone falls out of setting after customer purchase
Safe burglary during off-hours

How Much Does Jewelry Insurance Cost?

Most jewelry stores pay $3,000–$10,000/year for a comprehensive package. Cost depends heavily on inventory value, security measures (safe, alarm, cameras), and location.