Jewelry store insurance can help protect you from
Theft
Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.**
Product liability
A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.
Advertising injury
A competitor sues you claiming that you copied the “look and feel” of their product listing.
Cyber crime
Criminals hack your store’s site, and now your customers’ payment information is compromised.
Jewelry store insurance designed to protect your business
ERGO 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
Find the right jewelry store insurance coverage for you
We have all the business insurance you might need for your jewelry shop. And you save up to 10% when you bundle two or more of our policies.
General Liability
Protection for the injuries, accidents and damage you cause
general liability can help you pay for:
Commercial Auto
For business owners who own or drive vehicles
commercial auto can help you pay for:
Workers' Compensation
For business owners who hire employees
workers compensation can help you pay for:
Commercial Property
For business owners who own or rent physical spaces
commercial property can help you pay for:
What customers say about us
Straightforward
Easy to use, transparent service. Thank you!
Chelsea C.
Super Simple and Affordable
Super simple to get your small business insured and at a very competitive and affordable price. I researched the company out and they are very well rated. I was insured in what it ...
Richard P.
Easy to sign up
Easy to sign up
Jasmine C.
Easy
I still can't believe how fast and easy it was to purchase our business insurance from Next. Great company and very nice support.
Jo M.
Great!
Great!
Sam T.
I’m sorry, I don’t write
I’m sorry, I don’t write reviews
Felix A.
So simple and so easy
So simple and so easy and satisfying I love next insurance
Mohamed S.
fast and overall good easy
process was easy and fast, especially helpful to small start-ups like us, where time and cost are much more valuable
Sun J.
Straightforward
Easy to use, transparent service. Thank you!
Chelsea C.
Super Simple and Affordable
Super simple to get your small business insured and at a very competitive and affordable price. I researched the company out and they are very well rated. I was insured in what it ...
Richard P.
You can save up to 25% in discounts on jewelry store insurance
You can pay for your jewelry shop insurance monthly or annually and you can cancel instantly at any time.
How much does jewelry store insurance cost?
Jewelry store insurance coverage 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 25% in discounts, depending on the kind of work you do. More risky professions can expect to pay more.
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.
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 ERGO NEXT Insurance offer general liability coverage for jewelry store business?
Does ERGO NEXT Insurance offer commercial auto coverage for jewelry store business?
What are some examples of types of business insurance protection for retail shops?
Damage to someone else’s property
The paint you sell on Amazon explodes in a customer’s bedroom, ruining the carpet and drapes. Your general liability policy could help pay for the damages.**Accidents that hurt someone
A customer falls and breaks their arm inside your retail store. Your general liability coverage or BOP insurance could help pay for medical costs and legal fees.Damage to your own property and inventory
Vandals tag your storefront, break a window and steal some business laptops and products. Commercial property insurance could help with replacement or repair.Accidents involving your business vehicles
You have a fender bender on the way to a client’s office. Commercial auto insurance could help pay for the damages.Workplace illness or injuries
Your employee falls off a step stool and twists an ankle — and now you’re down a worker for several weeks. Workers’ compensation insurance can help cover medical bills and lost wages.Can I add an additional insured to my Live Certificate?
Can I add to or change my coverage?
If you're a customer, your policy documents and changes can be accessed and managed in your online customer account.
The quickest way to talk to our U.S.-based customer service team is through chat. You can reach us by clicking “chat with us” at the very bottom of the help center page.