Jewelry Maker Insurance

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General Liability
Equipment Coverage
$1,000,000 Limit
Pause Policy
4.7/5 stars from 467 reviews on Trustpilot
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Why do I need Jewelry Maker Insurance?

When you create a custom piece of jewelry, every bead, link, and clasp is perfectly placed. Running a jewelry business requires the same careful touch and attention to detail—that includes buying jewelry maker insurance that protects you from the financial consequences of mistakes and accidents.

When you’re designing custom pieces, meeting with customers, and selling your jewelry at craft fairs and markets, you’ll need to be prepared for anything.

That’s why every jewelry maker could benefit from business insurance.

What does Jewelry Business Insurance cover?

Thimble’s Jewelry Business Insurance provides you with general liability insurance, which includes products liability coverage. It’s designed to provide investigation and legal defense and payment for damages for claims related to the following:

Third-party, non-employee bodily injury: Although jewelry making isn’t an especially dangerous profession, accidents can happen when you bring your business to the public or they come to you. Should a third party (client or bystander) incur a bodily injury due to the work you’re performing, you could be held responsible. General liability insurance can protect you.

Third-party property damage: Perhaps you work at a pop-up shop, booth at a farmers market, an event, or inside another shop. Wherever you are, should you accidentally damage a third party’s property, you could be liable. That’s where general liability insurance can help.

Personal injury & advertising: If another vendor claims that you published libel, slander, or other defamatory or discriminatory statements about them or their business, you’d face an unpleasant legal battle. General liability insurance provides the investigation, legal defense and settlement of claims.

Does Thimble’s Jewelry Business Insurance include product liability coverage?

Yes. With Thimble, product liability coverage is included for many home-based vendors that create handmade goods, including jewelry makers.

Why does product liability coverage matter? As a jewelry maker, you could be held liable if a customer suffers an injury or property damage caused by your products. This is protection from claims that happen after the sale when the product is in the customer’s hands.

Product liability is excluded from some general liability policies, leaving your business exposed to risk.

Even if your pieces are perfectly crafted, customers can make claims against your business. You wouldn’t create a necklace without a working clasp, so why purchase general liability coverage with a product liability exclusion?

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