Insurance for Jewelry Businesses

Quick quotes. Comprehensive coverage. Tailored to jewelry businesses.

Why do jewelry businesses need insurance?

Jewelers and jewelry shops typically have large, expensive collections of property that need to be protected, and a lot of businesses travel with and ship valuable jewelry, which presents a vast financial exposure. Oyster can help reduce this exposure by getting you the right coverage for your business.

What coverage do jewelry businesses need?

General Liability

General Liability (GL) protects your business from legal claims and liability that arise from your operations. Jewelers and jewelry shops in particular carry many inherent liability risks, so GL is always recommended.

Learn more about general liability.

Business Owner’s

Business Owner’s (BOP) combines your liability and property coverages to protect you from liability lawsuits, theft, and lost business income.

Learn more about business owner's.

Workers’ Compensation

Workers’ compensation ensures that your employees are covered from on-site injury and illness, including lost wages and medical expenses.

Learn more about workers' compensation.

Jewelers Block

Jewelers Block provides coverage for risks inherent to jewelry businesses, such as protection of your inventory, goods, and raw materials from theft and damage, appraisal liability, and theft and loss at or in-transit to and from exhibitions and events.

Umbrella Insurance

Umbrella insurance extends the coverage and limits of your existing policies and provides additional coverage specific to your business.

Learn more about umbrella insurance.

What coverage do jewelry businesses need?

Business Owner’s

Business Owner’s (BOP) combines your liability and property coverages to protect you from liability lawsuits, theft, and lost business income.

Learn more about business owner's.

General Liability

General Liability (GL) protects your business from legal claims and liability that arise from your operations. Jewelers and jewelry shops in particular carry many inherent liability risks, so GL is always recommended.

Learn more about general liability.

Workers’ Compensation

Workers’ compensation ensures that your employees are covered from on-site injury and illness, including lost wages and medical expenses.

Learn more about workers' compensation.

Jewelers Block

Jewelers Block provides coverage for risks inherent to jewelry businesses, such as protection of your inventory, goods, and raw materials from theft and damage, appraisal liability, and theft and loss at or in-transit to and from exhibitions and events.

Umbrella Insurance

Umbrella insurance extends the coverage and limits of your existing policies and provides additional coverage specific to your business.

Learn more about umbrella insurance.

Cyber Insurance

Cyber insurance covers your business against expenses and liability in the event of a data breach involving sensitive personal information.

Learn more about cyber insurance.

What types of jewelry businesses can Oyster cover?

Oyster can cover most jewelry businesses with few restrictions, including businesses that sell fine jewelry, antique jewelry, loose stones, precious gems; jewelers that work directly with molds, die, and casts; jewelry manufacturers, retailers, and wholesalers; and businesses that travel to events and exhibitions.

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Resources to protect your business

We have curated an ever-expanding library of articles to help you understand insurance and reduce risk exposure.

Learn more about commercial insurance

Frequently asked questions

How do I get a quote for my business?

How much does insurance cost?

How do I get a certificate of insurance (COI)?

Can I add to or expand my coverage?

Get started today

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