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Jewelry Store Insurance

Save up to 30% on jewelry store insurance
Retail insurance

Jewelry store insurance designed to protect your business

NEXT customizes insurance for small businesses and jewelry store owners like you. We help business owners get covered with policies that are easy to buy in 10 minutes or less and provide 24/7 access to services. Jewelry store owners often buy insurance packages that include:

  • General liability
  • Workers’ compensation
  • Commercial auto 
  • Commercial property
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Save up to 30% on jewelry store insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Find the right jewelry store insurance for you

We have all the business insurance you might need for your jewelry store. And you save up to 10% when you combine coverage.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers the risks that affect almost every jewelry store. It's the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.
General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
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Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Whether your car is essential for your daily operations or a vehicle you only occasionally use for work, you need a commercial auto insurance policy customized for your jewelry store business. Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage.
Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
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Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers' compensation insurance helps to make sure workers are taken care of if they're hurt on the job, while also protecting jewelry store business owners from significant financial losses after an accident. It's legally required in most states for businesses with employees.
Workers' Compensation can help you pay for:
Medical expenses
Lost Wages
Employer liability
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Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property coverage helps protect almost all of the physical items you need to run your jewelry store business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
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How much does insurance cost

How much does jewelry store insurance cost?

Jewelry store insurance costs vary based on the risks that your business faces, such as:

  • The types of projects you work on
  • Where your projects are located
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work

You can save up to 30%, depending on the kind of work you do. More risky professions can expect to pay more.

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Jewelry store insurance requirements

Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Get a business license in your state. It’s a good idea to check if you need a license in your state in order to get insurance.
  • Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ comp.
  • Hire employees. Most states require workers’ compensation if you have employees.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Everything you want to know about Insurance

Frequently asked questions about jewelry store business insurance

Here are some of the most common questions we get about jewelry store business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer general liability coverage for jewelry store business?
Yes, NEXT Insurance offers general liability, commercial auto, workers' compensation and commercial property insurance coverage for jewelry stores.
Does NEXT Insurance offer commercial auto coverage for jewelry store business?
Yes, NEXT Insurance offers commercial auto insurance, general liability, commercial property and workers' compensation insurance coverage for jewelry stores.
How does business insurance protect retail stores?

Our retail store insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

The paint you sell on Amazon explodes in a customer’s bedroom, ruining the carpet and drapes. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A customer falls over backwards trying out a chair and breaks their arm. Your retail store general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries 

One of your employees falls off a step stool while restocking the upper shelves and badly twists their ankle, leaving them unable to work for several weeks. Workers’ compensation coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees. 

Injuries and damage involving your business vehicles

A hail storm leaves dents all over the roof of your work van. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Damage to your property and inventory

All the inventory you had ready to go was vandalized overnight. Commercial property insurance can help with replacement or repair costs.

Can I add an additional insured to my Live Certificate?

Yes! When you click "Share Proof of Insurance" from within the customer portal, you'll be asked if you need a general proof of insurance or one with a venue or client as additional insured. As soon as you input the details of the additional insured you're adding, you can add their email address and we'll send them over the certificate for you.

Can I add to or change my coverage?

If you’ve expanded your business and need coverage for more kinds of work (or higher amounts of the same coverage), please let us know. One of our support agents can discuss your business' changing needs, and in most cases, we’ll be able to set you up with a new policy on the same day (so there will be no gaps in your coverage). You can contact our customer service team at support@nextinsurance.com or by calling 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Certificate of Insurance

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