Jewelry Store Business Insurance Coverage Checklist
The coverages a jewelry store business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for retail jewelry stores, watch dealers, and estate jewelers. Priorities reflect typical exposure for this class; confirm against inventory values, security, and services.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Jewelers Block | Covers owned stock, memo goods, and customers' goods against theft, robbery, and other loss — a standard BOP is not designed for jewelry. | Core | |
| Commercial General Liability | Covers customer injuries in the store, including during robberies. | Core | |
| Crime / Employee Dishonesty | Covers employee theft of merchandise or cash, often excluded from jewelers block. | Core | |
| Commercial Property (Building & Fixtures) | Covers the building, cases, and improvements — including damage from vehicle ramming. | Prevalent | |
| Appraiser Errors & Omissions | Covers claims that an appraisal was inaccurate. | Situational | |
| Workers' Compensation | Required in most states; covers staff injured in robberies. | Core | |
| Business Income | Replaces income while the store is closed after a robbery or smash-and-grab. | Prevalent | |
| Cyber Liability | Covers online sales and customer financing data. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is the conditions attached to jewelers block coverage. The policy is built around security promises — merchandise in a rated safe overnight, a certified alarm, specific procedures — and a loss that happens outside those conditions can be denied. The risk is rising: Jewelers' Security Alliance counted $144.7 million in losses in 2025, with more violence against staff and vehicle rammings into occupied stores. Stores should confirm their safe rating, alarm certificate, and off-premises limits match what the policy requires, and that employee theft is covered separately.
Send us the checklist and we'll review your jewelry store business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Jewelry Store Business Insurance · Jewelry Store Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a jewelry store business business need?
The core coverages for a jewelry store business business are Jewelers Block, Commercial General Liability, Crime / Employee Dishonesty, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my jewelry store business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.