Businessowners Policy
The Businessowners Policy provides custom-designed property and liability coverages for manufacturers, retailers, wholesalers, and specialty jewelry businesses.
What's covered
Property coverage for:
- Buildings
- Business personal property such as furniture, fixtures, and tenant improvements
- Loss of income when your business is interrupted by loss or damage to real or personal property caused by a covered peril, excluding theft.
- Chemical cleanup caused by accidental spilling of chemicals used in the normal course of jewelry operations.
- Accounting expenses if we agree that you should hire an accounting firm to prove loss of income claims.
Commercial liability coverage for:
- Bodily injury and property damage
- Medical payments
- Products and completed work
- Fire legal liability (includes all perils)
- Ear piercing liability
Jewelers Enhancement Endorsement
The traditional Jewelers Enhancement Endorsement is included in the Businessowners Policy for no additional premium. Three other enhancement options are available for manufacturing, retail, and wholesale jewelers. Choose the enhancement that best fits your particular insurance needs.
Optional coverages are available, such as appraisal liability and employee benefits liability.