Jewelers Insurance

small business owner protected by jewelers insurance

Jewelers Insurance Designed for Your Business

We know how hard you work running your jewelry business. Whether you’re setting a stone, repairing a ring or making a sale, get the peace of mind you need from specialized insurance made for jewelry business owners.
 
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small business owner protected by jewelers insurance
small business protected by insurance for craft vendors

What Is Jewelry Store Insurance?

Running a successful jewelry store can be stressful. From employee injuries to stolen jewelry items, there are many incidents that can put your business at risk. That's why having the right business insurance is essential to managing your small business.

Jewelry Business Insurance Requirements

Many jewelers start with a Business Owner’s Policy (BOP) for their insurance needs. It combines three common types of insurance coverage to help protect your business from various risks with one jewelry insurance cost.
 
General liability can help cover claims that your jewelry shop caused bodily injury or property damage.
 
Commercial property insurance helps protect your owned or rented building and the equipment you use to run your jewelry shop. This includes:
  • Jewelry-making tools
  • Display cases
  • Security systems
  • Computers and point-of-sale systems
Additionally, some insurers also offer jewelers block insurance, which provides specialized jewelry insurance coverage for the unique risks associated with handling high-value items. This coverage helps protect your inventory both on and off the premises, including during transit.
 
Business income insurance can help replace your lost income if you can’t open your jewelry shop because of damage to your property.
 
And with jewelry makers insurance, you can run your business without worry, even when there are unexpected issues.
 

Additional Coverage Opportunities

Consider additional jewelry insurance coverage options tailored to your specific needs, such as:
 
  • Appraisal liability
  • Employment practices liability
  • Commercial flood insurance
  • Management liability insurance
craft vendor knows craft fair insurance

How Much Does Jewelry Insurance Cost?

The Hartford’s small business customers in this industry pay an average of $1,748 a year, or about $146 a month, for a BOP, and for workers’ compensation insurance, our customers pay an average of $621 a year, or about $52 a month.**
It’s important to remember that insurance costs vary, because every business owner has unique needs. Insurers can also use different factors to determine rates. The best way to find out how much jewelry insurance will cost your business is to get a quote.
business owner protected by crafter insurance

You Won’t Have To Wait With Us

We know how valuable your time is. That’s why we give you the option to get your proof of insurance online.

Covering Your Operations

Your display cases are full of some beautiful pieces – many of them with expensive price tags. With such a costly stock of jewelry items, having jewelry business insurance is important. The right coverage will help ensure you won’t have to pay out of pocket when the unexpected happens.
50% of small to medium-sized businesses have been the victims of cyberattack and over 60% of those attacked go out of business.3
data breach insurance for jewelers

Data Breach Insurance

“When my sales associate accidentally clicked on a spam email, we got hacked. All our customers’ information was stolen, and it was a whole process to let them know and get our business back in order.”
 
Data breach insurance can help your business respond to breaches if personally identifiable information (PII) gets lost or stolen. It can help cover your costs to notify impacted customers and offer credit monitoring services.
Employment Practices Liability Insurance for jewelers

Employment Practices Liability Insurance

“I had to let one of my sales guys go after he kept calling out. It was a hard choice, because he was one of my top sellers. I was shocked when he sued me for discrimination.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. 

Protecting Your Property

You've invested so much to get your jewelry business where it is today. From your elegant showroom to your expensive tools, help protect your property with jewelers insurance that’s made for your unique business. At The Hartford, we designed our small business insurance especially for jewelry stores like yours.
In 2022, retailers said shrink, or inventory loss, affected 1.6% of sales, on average.4
commercial umbrella insurance for jewelers

Commercial Umbrella Insurance

“My sales associate used the company van to make a bank deposit. She lost control on a turn and caused a multi-car accident. Several drivers had to go to the hospital, and a few cars were towed away.”
 
Commercial umbrella insurance gives you extra protection to help cover a claim that exceeds the limits of certain liability policies.
Franchise Upgrade Coverage for jewelers

Franchise Upgrade Coverage

“After a bad storm caused damage to my storefront, my franchise contract required me to make some upgrades that were quite costly.”
 
Franchise upgrade coverage helps pay for extra costs that franchisees may incur to upgrade damaged property to franchise standards following a covered loss.

Taking Care of Your Team

Owning a small business is a big responsibility. That’s why having employees who help keep your jewelry business running successfully can make such a difference. But if you have employees, you need the right types of insurance to protect them as they work.
Private industry employers reported 2.8 million nonfatal workplace injuries and illnesses in 2022.5
workers' compensation insurance for jewelers

Workers’ Compensation Insurance

“One of my employees injured her finger while repairing a watch. She had to go to the ER and get stitches.”
 
Workers’ compensation insurance helps provide benefits to employees who suffer work-related injuries or illnesses. This can help pay for their:
 
  • Medical care
  • Lost wages if they need time off work to recover
  • Disability benefits
commercial auto insurance for jewelers

Commercial Auto Insurance

“My employee got into an accident while dropping off an order. He was fine, but the car had to be towed and needed repairs before it could get back on the road.”
 
Commercial auto insurance can help protect your employees on the road if they drive company-owned vehicles for business.

Frequently Asked Questions About Jewelers Insurance

Jewelers insurance helps provide essential coverage for a small business in the jewelry industry. It helps protect against risks like theft, damage and liability claims. It also typically includes coverage for valuable inventory, equipment and incidents that might occur on the premises. 
Yes, insuring jewelry is worth it. Jewelry businesses face unique risks, from theft and damage to liability issues, making comprehensive coverage essential to help protect your valuable inventory and business operations. With the right policy, you can manage insurance costs effectively and ensure that unexpected incidents don’t lead to major financial losses.
Having helped over 1.5 million small business owners like you, we understand that every business is unique. We will work with you to customize a jewelry store insurance policy that fits your specific needs, including commercial property insurance and general liability insurance.
 
Other similar professions and businesses we also insure include:
 
small business owner protected by insurance for craft shows

Jewelers Insurance That’s a Cut Above

We’ve created jewelry business insurance made to help protect your small business from the unique risks you face. Let us get you the jewelers Insurance you need so you can serve your customers confidently.
 
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Last Updated: February 26, 2026
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
3 America’s Seed Fund, “The Impact of Cybersecurity On Small Business”
 
4 NPR, “Retailers Howled About Theft Last Year. Why Not Now?”
 
5 U.S. Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2023”
 
Additional disclosures below.
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