Jewelers Pak

The Jewelers Pak Policy combines the Jewelers Block with the Businessowners Policy to cover property and liability needs of retail, wholesale, and specialty jewelry businesses. The advantage is one policy, with one renewal date and one application. Coverage is priced according to your specific policy components.

What's covered

Jewelers Block covers:

• Your inventory of jewelry stock for sale.
• Primary coverage for customers' property (from those not in the jewelry business) that has been delivered or entrusted to you.
• Shipment coverage for Registered Mail^TM and Express Mail®.
• Jewelry worn by you or your employees while away from your business.
• Accounting expenses if we agree that you should hire an accounting firm to present a claim for property losses.
• The expense of hiring a trained security guard in the unusual situation we require a guard due to alarm system failure.
• Property of others in the jewelry business that has been delivered or entrusted to you; often referred to as "memo goods." 

Businessowners Policy coverage includes:

• 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
• 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.

An Optional Coverage Package is available, as well as other optional coverages such as appraisal liability and employee benefits liability.