Craftsman Policy

Jewelers Mutual created this policy to meet the specific insurance needs of bench or repair jewelers, appraisers, and custom designers. This policy combines property, liability, and loss of income coverages to provide appropriate insurance protection without overlapping or unnecessary coverage.

What's Covered

Property coverage is available for:

• Owned jewelry
• Findings and materials for manufacturing and repair
• Buildings
• Furniture, fixtures, and tenant improvements
• Machinery, tools, and equipment
• Loss of income when your business is interrupted by loss or damage to real or personal property caused by a covered peril, excluding theft
• Property of customers (not in the jewelry business) that has been delivered or entrusted to you (Primary coverage for customers' property is added to the policy.)
• Property of others in the jewelry business that has been delivered or entrusted to you; often referred to as "memo goods."

Liability coverage includes:

• Bodily injury and property damage
• Medical payments
• Products and completed work
• Fire legal liability
• Ear piercing liability.

Various optional coverages are available such as appraisal liability and employee benefits liability.