Jewelry Store Insurance

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Saleswoman helping a couple in a jewelry store

Why do you need Jewelry Store Insurance?

As a jeweler, you sell timeless heirlooms that people cherish. However, running a jewelry business comes with the risk of damage to your property or that of your customers, or even causing a customer a bodily injury.

For example, your jewelry display case could fall on a client and injure them. Or your business could be the victim of theft, leaving you on the hook to replace your business equipment and inventory.

Thimble’s Jewelry Store Insurance provides both general liability insurance and commercial property insurance so that you have a financial safety net in case your business runs into a rough patch.

How much does Jewelry Store Insurance cost?

The cost of your Jewelry Store Insurance policy will depend on several factors. The primary factor that we use to determine the premium is your location. Besides the business address, we’ll collect some details about the building, whether it is fire resistant or not, how far it is from a fire station, and your building occupancy. Furthermore, as a jeweler, your premium will be based on your industry classification.

A perfect piece for your business

Getting Jewelry Store Insurance with Thimble is much easier than appraising a princess diamond set in platinum. And it’s important that you have it since you can’t predict when a loss or claim will occur.

With Thimble’s BOP, you’ll get coverage if a customer gets hurt in your store, and you’ll be protected against major perils such as fires or windstorms that can damage your property. To get your coverage today, click “get a quote” and get a policy within minutes so that you can get back to selling bling.

Jewelry Store Insurance FAQs

Does Jewelry Store Insurance insure my inventory?

No, it will not cover the materials you use to make jewelry, such as loose gems. If you make your pieces by hand and need product liability coverage, you may look into Jewelry Maker Insurance. If you need coverage for loss or damage to your jewelry stock, you may need jewelers block insurance.1

I don’t want commercial property insurance. Do I need a BOP?

If you don’t own your building and don’t need commercial property insurance, no problem. You can still buy general liability insurance through Thimble.

How do I show proof of Jewelry Store Insurance?

All you need is a Certificate of Insurance (COI)
. Download as many COIs as you need, at no additional cost, using your Thimble app or in your inbox to show proof of insurance whenever you need it.

Does Jewelry Store Insurance protect the equipment that travels with me to jobs?

Thimble will protect up to $10,000 of the equipment you use for work from covered perils while it is away from the premises, for example, if you’re setting up at a jewelry convention. If you need more protection, or if traveling with your gear is a regular part of your job, you may want to consider getting Business Equipment Protection. This covers equipment you own or rent, or a customers’ jewelry that you keep in your store while you repair it.

Does Jewelry Store Insurance cover injury to my employees?

No. General liability insurance only coverage non-employee third-party claims. You will need workers’ compensation insurance to protect employees who may get injured on the job.

People like you like Thimble.

We're trusted by over 40,000 small businesses. (And thanks. We like us too.)

4.7/5 stars from 1131 reviews

  • Fast & Easy

    This is fast and easy and works great for me! I am a one man freelance landscaper and this gives me the ability to purchase insurance directly from my phone anytime and anywhere I need it.

    Paul H.

  • Super easy to use! Though of everything

    This app is beautiful and super easy to use! It’s super easy to get insurance for the weddings I shoot where the venues require insurance. I can just buy it on the app with 3 clicks and I’m done.

    Lan Z.

  • Awesome Product

    I love this idea ????!! I needed to have proof of liability to present my proposal; got it on the spot. I didn't win the bid but I didn't get stuck with costly insurance, either!!

    Genna A.

  • Best insurance solution for small businesses.

    I love the convenience of this insurance app, its the best thing since sliced bread????????

    Marcus S.

  • So Easy!!! I LOVE IT

    It was so easy, quick, and simple. The PDF package I received contained everything I needed. This was the best experience I've ever had obtaining insurance...thank you!!!

    Alex Robertson

  • Great rate!

    I was very impressed with your monthly rate on general liability coverage! Much less than 1/12 of everyone else's annual rate.

    Thomas G.

  • Fast & Easy

    This is fast and easy and works great for me! I am a one man freelance landscaper and this gives me the ability to purchase insurance directly from my phone anytime and anywhere I need it.

    Paul H.

  • Super easy to use! Though of everything

    This app is beautiful and super easy to use! It’s super easy to get insurance for the weddings I shoot where the venues require insurance. I can just buy it on the app with 3 clicks and I’m done.

    Lan Z.

  • Awesome Product

    I love this idea ????!! I needed to have proof of liability to present my proposal; got it on the spot. I didn't win the bid but I didn't get stuck with costly insurance, either!!

    Genna A.

  • Best insurance solution for small businesses.

    I love the convenience of this insurance app, its the best thing since sliced bread????????

    Marcus S.

  • So Easy!!! I LOVE IT

    It was so easy, quick, and simple. The PDF package I received contained everything I needed. This was the best experience I've ever had obtaining insurance...thank you!!!

    Alex Robertson

  • Great rate!

    I was very impressed with your monthly rate on general liability coverage! Much less than 1/12 of everyone else's annual rate.

    Thomas G.

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