The Clarity Blog

What Jewelers Should Know About Virtual Property Inspections

Virtual property inspections

By now, many business owners have heard of virtual inspections and may not be sure of what they are or how they work. Virtual inspections are indeed the way of the future and has become more evident during the recent year. Pandemic or not, businesses still need insurance coverage because catastrophes continue to happen and when they do, you’ll want to make sure you have the right insurance coverage. 

Unfortunately, insurance providers can’t accurately insure what they can’t see and with physical distancing recommendations in place, a need for an alternative inspection process has become evident.  

Property inspections are a key component in the insurance underwriting process. These inspections confirm what underwriters may already know about a property while also uncovering unknown characteristics that are critical to making sure a jewelry business has the proper insurance coverage. With a virtual inspection, jewelers can clearly document the inside and outside of their property at any time and on their schedule. 

How does a virtual inspection work? 

Companies who provide virtual inspections may use artificial intelligence (AI) or a secure medium of sensitive underwriting information that guides customers through inspections and loss control surveys. Jewelers can utilize video/recordings, text messages and email, and have the flexibility to submit photos and documents on their own time individually or continue to work with their trusted agents onsite to assist with the inspections. Using the property data collected from the inspection, underwriters and loss control professionals can confirm location, review the exterior of the property and determine the replacement cost estimate.  

Is it safe to participate in a virtual inspection? 

Yes! All information provided during an inspection is encrypted with bank grade security and stored on secured servers located in the US. Only authorized users can access the jeweler’s confidential information.  

The benefits of virtual inspections  

The convenience that comes from being able to conduct inspections virtually enhances jewelers’ ease of doing business by being able to choose the time that works best, without the need to schedule with a third-party vendor. The insurance-specific computer vision technology automatically documents risks or hazards, property features, materials and more with strict privacy and security measures in place. 

With virtual inspections, jewelers will experience: 

  • Validated information submitted on their insurance application 
  • Ease of doing business 
  • Potential alternative to a paper application at renewal 
  • Critical loss prevention advice during the inspection 
  • Improved accuracy during the claim adjustment process should one be issued on a risk with a completed inspection 

Jewelers Mutual Group has teamed up with a virtual inspection company and can now validate customer information submitted on the insurance application and provide a safe and secure alternative to a paper application at renewal. In addition, the technology capabilities provide better insights on risks to help customers prevent losses and facilitate the claim process.  

Watch the video below as Dan Tober, underwriting manager at Jewelers Mutual, explains the value of virtual inspections.


Adding the innovation of virtual inspections is another way Jewelers Mutual is raising the tide of the industry by investing in technology solutions to enhance the customer experience.

To learn more about innovative solutions from Jewelers Mutual that can help improve the way you do business, contact an agent.

Contact Us

If you have a media-related question, please email us at [email protected].

About Jewelers Mutual Group

Jewelers Mutual was founded in 1913 by a group of Wisconsin jewelers to meet their unique insurance needs. Later, consumers began putting their trust in Jewelers Mutual to protect their jewelry and the special memories each piece holds. Today, Jewelers Mutual continues to support and move the industry forward by listening to jewelers and consumers and offering products and services to meet their evolving needs. Beyond insurance, Jewelers Mutual’s powerful suite of innovative solutions and digital technology offerings help jewelers strengthen and grow their businesses, mitigate risk, and bring them closer to their customers. The Group insurers’ strong financial position is reflected in their 37 consecutive “A+ Superior” ratings from AM Best Company, as of November 2023. Policyholders of the Group insurers are members of Jewelers Mutual Holding Company. Jewelers Mutual is headquartered in Neenah, Wisconsin, with other Group offices in Dallas, Texas and Miami, Florida. To learn more, visit