Jewelry Store Insurance
Save up to 25% on jewelry store insurance coverage.*
Choose your primary coverage to get started:
Jewelry store insurance can help protect you from
The costs of injuries and accidents inside your shop
Someone slips, trips or gets hurt in your store, and you’re asked to cover their medical bills.**
Theft and vandalism costs
Your business has tags, broken windows, a broken door and inventory was stolen. You need help to cover costs for replacement and repairs — fast.
Damage costs from fire or extreme weather
A fire, hail storm or burst water pipe ruins your inventory, computers and POS systems, furniture, flooring, lighting and the retail space you lease or own.
Lost business income
If you need to close for repairs after a covered event, your business insurance could help cover your financial losses.
Product liability
A necklace or earrings that you make or sell causes injury to a customer, and they ask you to cover the costs and take legal action against you.
Get jewelry store insurance coverage that’s fast, flexible and convenient
ERGO NEXT specializes in small business insurance. Jewelry store insurance could help protect you, your business and your employees from the cost of unexpected events.
ERGO NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in business insurance for jewelry stores
Jewelry store insurance typically includes several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:
General Liability insurance for jewelry stores
Protection for damage to other people's property and injuries to non-employees
general liability can help you pay for:
Workers’ Compensation insurance
For employee work-related injury and illness
workers compensation can help you pay for:
Commercial Property insurance
Protect the work space you use for your store and its contents
commercial property can help you pay for:
Business Owner’s Policy (BOP insurance)
Financial help after customer injuries and property damage
business owners policy can help you pay for:
Save up to 25% in discounts on jewelry store insurance
Pay monthly or annually, and you can cancel at any time.
How much does jewelry store insurance cost?
Jewelry store insurance can be more affordable than you might think. The cost for your business can depend on several factors, including:
- The size and type of your jewelry store.
- The products you sell, such as fine jewelry, watches or custom-made pieces.
- Your security measures, such as alarm systems or safes.
- Your business location.
- Your number of employees.
- Your annual revenue.
- Whether you source products from wholesalers or create custom jewelry.
- The coverage limits and deductible that you choose.
- Your history of business insurance claims.
The best way to learn exactly what you’ll pay for jewelry store insurance for your business is to get a free, no-obligation quote. In about 10 minutes, you’ll see the cost of customized coverage for your business.
How can insurance for jewelry stores help your business?
Jewelry store insurance can help your business to:
- Protect your store, inventory and business property. Business insurance could help protect the retail space you own or lease from things like fire, theft or vandalism. It can also cover the contents of your store, such as your jewelry pieces, display cases, safes, furniture and lighting, computers and POS systems, repair equipment and other business property.
- Lease a retail space. Landlords may require certain types of business insurance before you can lease a storefront.
- Secure financing. Business insurance can be a requirement for banks or other financial lenders to get a loan or other starter funds to launch or grow your business.
- Hire employees. Most states require workers’ comp insurance for small businesses with employees.
- Handle liability claims against you. Liability insurance could help protect you if a customer is injured at your store or if your business accidentally damages someone else’s property.
Jewelry store insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
Does jewelry store insurance cover theft?
Jewelry store insurance could cover the contents of your business, such as lighting and furniture, display cases and shelving, laptops and the other essential business property you need to run your store. In addition, the building that you own or lease for your store could also be covered after an event like vandalism, burglary or a fire, including doors and windows, HVAC systems and other parts of the physical structure you need to run your business.
Coverage for high-value jewelry inventory may be subject to different terms or limits, so it's important to review your commercial property policy carefully.
Does jewelry store insurance cover online sales?
If you sell jewelry online, you can customize your business insurance with coverage that could help protect your business from e-commerce risks. For example, cyber liability insurance could help with certain expenses related to covered cyber incidents, depending on your policy.
Does jewelry store insurance cover trade shows?
If you sell jewelry at trade shows, pop-ups, fairs, festivals, expos or other temporary events, you may need additional business insurance coverage than you do for your physical storefront, depending on your policy and how your business operates.
How can I get a certificate of insurance (COI)?
What do I need to get an insurance quote online?
How do you file an insurance claim with ERGO NEXT?
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
