Jewelry insurance, shopped across 20+ carriers
An insurance package for jewelry retailers built around a Jewelers Block policy — covering high-value inventory of diamonds, gemstones, precious metals, and watches against theft, mysterious disappearance, and damage both on-premises and in transit.
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- Licensed in 5 states
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Affordable jewelry insurance in NV, AZ, UT, TX & OH
Retail jewelry stores, custom jewelers, watch dealers, and estate-jewelry shops in NV, TX, OH, UT, or AZ holding inventory that standard BOP property limits can't adequately cover.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Jewelry insurance at a glance
- A Jewelers Block policy is the industry-standard coverage, not a standard BOP. Jewelers Block is a specialized inland-marine form that covers owned inventory, customer property held for repair, and items in transit against theft (including employee dishonesty), mysterious disappearance, and damage — all excluded or severely sublimited under standard commercial property policies.
- Standard BOP property limits are inadequate for jewelry inventory. A typical BOP may cap jewelry coverage at $5,000–$10,000 per occurrence; a mid-size jewelry retailer may hold hundreds of thousands of dollars in inventory on any given day, requiring scheduled or blanket Jewelers Block coverage.
- Armed robbery and burglary are the leading loss drivers for jewelry retailers. Industry loss data consistently shows jewelry stores among the most frequently targeted businesses for commercial burglary and armed robbery; safe/vault and hold-up coverage are critical components.
- Nevada has no licensing mandate for jewelry retail, but leases require insurance. Commercial landlords and mall operators in Las Vegas routinely require minimum general liability limits and proof of property coverage as a lease condition for jewelry retailers.
Source: Jewelry stores pay an average of $38/month ($454/yr) for general liability and $75/month ($902/yr) for a BOP; Jewelers Block premiums typically range $3,000–$10,000/year for small to mid-sized stores. Source: Insureon, Jewelry Store Insurance Costs (2025), insureon.com/retail-business-insurance/jewelry-stores/cost; Biscayne Risk & Insurance Group, How Much Does Jewelers Block Insurance Cost? (2025).
Coverage explained
What jewelry insurance covers
The details
The parts of a jewelry policy
| Coverage | What it covers | Typically |
|---|---|---|
| Jewelers Block Policy | Provides all-risk coverage for jewelry, precious metals, and gemstones owned by the store in the showcase, in the safe, in transit, and at shows, at full appraised value. | Recommended |
| Bailees Customer Goods | Covers loss or damage to customers' jewelry left for repair, resizing, cleaning, or appraisal while in the store's possession. | Recommended |
| General Liability | Pays for customer bodily injury on premises and property damage caused by store operations, including showcase-glass injuries. | Recommended |
| Commercial Property | Covers the store buildout, showcases, display fixtures, and non-jewelry inventory such as watch accessories against fire, vandalism, and water damage. | Recommended |
| Crime and Employee Dishonesty | Reimburses losses from employee theft of jewelry, gemstones, cash, or precious metals from the showcase or back office. | Recommended |
| Business Income | Replaces lost revenue and pays rent and utilities if a robbery, fire, or other covered event closes the store temporarily. | Recommended |
| Workers Compensation | Pays medical and wage benefits for employees injured on the job, including security personnel and bench jewelers. | Required |
| Business Owners Policy (BOP) | Provides a base policy for liability and building coverage, which is then supplemented with a Jewelers Block for full stock protection. | Recommended |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does jewelry insurance work?
A jewelry store holds concentrated, extremely high-value inventory in a small space, making it one of the highest-risk retail categories for theft and armed robbery. Standard commercial property policies are wholly inadequate for jewelry: they typically cap coverage for jewelry and precious metals at a small fraction of a store's actual stock value. A Jewelers Block policy is the industry-standard solution, providing all-risk coverage for the full appraised value of stock in the showcases, in transit, and at trade shows, including loss from theft, mysterious disappearance, and damage. Customers also leave jewelry for repair and resizing, creating a bailees liability exposure that must be addressed separately.
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
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Ways to save on jewelry insurance
- Invest in a certified UL-listed safe or vault. The quality of your safe directly affects your Jewelers Block premium; higher-rated safes with documented certifications earn meaningful premium reductions from specialty carriers.
- Install 24/7 monitored alarm, duress alarm, and CCTV coverage. Comprehensive, documented security systems are one of the most significant underwriting factors for Jewelers Block — carriers reward robust security with lower premiums and higher sub-limits.
- Limit after-hours inventory in display cases. Storing high-value inventory in the vault each night rather than leaving it in cases reduces the after-hours theft risk, which can lower Jewelers Block premiums.
- Bundle Jewelers Block with general liability. Specialty jewelry insurance programs typically offer Jewelers Block and general liability together at a lower combined rate.
- Schedule individual high-value pieces rather than using blanket limits. Scheduling items accurately — especially pieces above the blanket limit — ensures you're paying for the right protection, not over-insuring lower-value stock.
- Pay in full annually. Most carriers offer a 3–8% discount for full annual payment upfront versus monthly installments.
Source: Specialty jewelry programs bundling Jewelers Block with general liability offer lower combined rates than separate policies. Source: Insureon, Jewelry Store Insurance Costs (2025), insureon.com/retail-business-insurance/jewelry-stores/cost.
Questions
Jewelry insurance FAQ
Why can't a standard BOP cover my jewelry inventory?
Does Jewelers Block cover jewelry I take to a trade show or sales call?
How much does jewelry store insurance cost?
What is mysterious disappearance and why does it matter for a jewelry retailer?
Are customer pieces left for repair covered under my Jewelers Block?
More coverage