Jewelry Store Insurance — Coverage, Cost & Requirements
High-value specialty insurance for jewelry retailers and repair shops. Requires inland marine (jewelers block) coverage for inventory on display, in transit, and at trade shows. Crime coverage for robbery and burglary is essential given average jewelry store inventory values. Also covers customer property damage during repair and appraisal work.
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What Coverage Does Jewelry Store Insurance Include?
Most jewelry store businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Jewelers Block (Inland Marine)
Jewelers Block (Inland Marine) coverage tailored for jewelry store businesses.
Commercial Property
Commercial Property coverage tailored for jewelry store businesses.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Crime
Covers theft, employee dishonesty, forgery, and fraud-related losses.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Professional Liability
Professional Liability coverage tailored for jewelry store businesses.
How Much Does Jewelry Store Insurance Cost?
The cost of jewelry store insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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