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Business Insurance

Protect your business for all its worth.

Protecting your business is our business

We're committed to protecting your jewelry business. No one is more passionate about jewelry than a company founded by jewelers.

Our Customer Stories

Hear what jewelers are saying about Jewelers Mutual.

"I know if I do need Jewelers Mutual, I’m not going to be asked to prove 11 different ways why I need Jewelers Mutual. This is what happened, here’s the facts. You have a true assurance with their insurance."

John Carter
Owner, Jack Lewis Jewelers

Our Core Policies

We’re here to help you find the right insurance coverage to meet the needs of your jewelry business and your budget. Here’s what we can offer you:

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Jewelers Block and Jewelers Standard Policy

Protect your inventory, stock on memo or consignment, goods in process and raw materials, and customers’ property entrusted to you from: 

  • Crime
  • Shopping and travel-related risks
  • Fire
  • Natural Disaster


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Businessowners Policy (BOP)

Get protection for your business personal property, building, non-jewelry inventory, business income, and other expenses from:

  • Liability-related risks
  • Damage due to crime
  • Fire
  • Natural disaster
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Commercial Umbrella Liability Policy

Add extra protection for extraordinary liabilities that may go beyond the limits of your Businessowners or other liability policies.

Be covered for loss amounts that exceed the underlying coverage limits for:

  • Bodily Injury
  • Property Damage
  • Personal Injury
  • Advertising Injury


Additional coverages that will help customize your policy. Discuss your unique needs with an experienced Jewelers Mutual agent to find the right coverage for your business.

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Appraisal Liability

Covers errors or omissions in performing written appraisals on jewelry.

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Employment Practices Liability

Protection from the financial consequences associated with a variety of employment-related lawsuits.

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Data Breach & Cyber Related Protection

Coverage for data compromise, e-commerce, computer fraud/funds transfer fraud, and identity fraud expense.

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Trade shows

Additional protection provided while attending jewelry industry events, as well as your time traveling to and from them.

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Hired & Non-Owned Auto Liability

Covers bodily injury or property damage arising out of the use of an auto in a variety of business situations.

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Stock Disappearance

Covers unexplained losses other than those discovered taking inventory or from packages received in good condition.

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Covers loss or damage to property belonging to others not in the jewelry trade that is being worked on.


"We would recommend Jewelers Mutual to anyone in our business. We have been in good hands for over 20 years."

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What to do After a Hurricane

As soon as you’re able to safely return to your business, the first thing you should do is contact your agent — or if you’re already a Jewelers Mutual policyholder, contact our claims team directly at [email protected]. After you’re in touch with them, don’t rush the recovery process. The next action you should take is photographing the damage. Then, do everything you can to protect anything that’s not damaged until your agent or claim adjuster is on the scene. Get more tips on The Clarity Blog.

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Have an Agent Contact You

Jewelers Mutual is represented by independent agents throughout the U.S. and Canada. An agent can help you design an insurance program that meets your needs and budget.

Want to Chat Now?

Contact us via email or give one of our experienced agents a call for help anytime.

Founded in 1913 for jewelers, by jewelers.

We've been serving the jewelry industry for over 100 years.

Read our story