Jewelry Business Claims

How it All Works

Our goal is to get your jewelry business back to normal as fast as possible. With our network of partners nationwide, help is just moments away.
Here's what the claims process typically looks like:

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Start Your Claim

Let us know what happened – the who, what, where and when.

Start your claim by contacting your local agent, or Jewelers Mutual directly by calling 800-558-6411 or emailing [email protected]. Include photos if it is safe to do so.

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Minimize Further Damage

Do what you can to ensure your loss doesn’t magnify.

Reasonable expenses incurred in the process of preventing further damage are generally covered. Save your receipts.

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Meet Your Claims Expert

One of our skilled claims experts will get in touch.

There may be additional details we need from you. This is when we will work together to evaluate and finalize your claim.

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Back to Business

Once your claim is finalized, enjoy business as usual.

We'd love to hear how your claims experience went. Feedback is always welcome by emailing [email protected].

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4.98 out of 5 stars

Claims Satisfaction Rate

Jewelers who experienced a claim with Jewelers Mutual Group give the process a 4.98 out of 5 stars.

According to a survey conducted by Market Research and Insights Q1 2020,
paid for by Jewelers Mutual Group.

The Most Common Claims

These are the most common claims we see, and what to do in each instance.

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Glass Breakage

Cover the opening with a board until a replacement can be installed

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Burglary or Theft

Call the police, take photos, and prepare a list of stolen goods

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Water or Wind Damage

Minimize damage as much as possible and get in touch with a repair specialist

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Slips and Falls

Arrange appropriate medical care for the effected persons, identify eyewitnesses and preserve video evidence


What is a deductible?

The deductible is the amount you agree to contribute in the event a covered loss occurs. Subject to all other policy provisions, Jewelers Mutual will pay the remainder of the covered loss after the deductible. You can change your deductible by contacting your agent.

How are payments handled?

If a deductible applies, you would be responsible for that amount. Jewelers Mutual would pay the remaining portion of the covered loss (up to policy limits). If you have a mortgage or lien holder listed on the policy, they must also be placed on the check. We are not able to remove a mortgagee or lien holder from payment. 

Can I choose who will do repairs to my property?

Yes. Your claims representative will work with your choice of vendor or contractor.

Do I need to file a police report for property damage or loss due to theft?

Yes. If a crime has been committed your policy requires you to report losses to the appropriate authorities.

What if I don't have all the information about my loss right now? Should I wait to file a claim?

No, we urge you to file your claim as soon as possible after the loss has occurred. Then, if you come across additional information that would help your claims representative with the claim, provide it to him or her at that point.

What do you need to show proof of ownership for stolen property?

Purchase receipts, owner’s manuals or product packaging, appraisals or photographs of the items in your business can show proof of ownership for stolen property.

What else can I do if I have time before my first meeting with a claims representative?

If you can, prepare a room-by-room inventory of damages and losses. This may include gathering manufacturer names, model numbers and purchase dates.

When do I pay my deductible and to whom do I pay it?

Your deductible will be subtracted from the amount of your loss before the settlement payment is delivered. You will likely pay the amount of your deductible directly to your contractor once repairs are completed. 

Start a Claim

You can start a claim by contacting your local agent, or you can call us at 800-558-6411 or email [email protected].