We have partnered up with a great panel of insurers all interested in your business, who will try to accommodate all your needs. By asking us for a quote, you will not only get great quotations from a range of insurers and brokers but also benefit from their vast knowledge of insuring jewellery shops.
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When you are looking to insure your jewellery shop you will be presented with a wide array of choices as to what can be included or covered. Whilst most standard policies will cover you for your and your employees' protection and for your equipment and stock, it is also very much worth considering insurance against malicious fires, broken glass and flooding amongst other risks. Being as fully insured as possible will more likely help your business keep running in the event of an accident or incident.
Here are some of the insurance policies which are well worth considering if you run or own a jewellery shop:
Commercial Property Insurance - this is so very important in the case of a jewellery shop. It effectively provides protection against fire damage, smoke and water for your stock and buildings. Do check what your jewellery business is covered against when you purchase your insurance so you can be assured whatever policy you choose covers everything you need it to.
Public Liability Insurance - like any shop, it is necessary to protect yourself against any injuries that occur to a third party on your premises. This could be a customer being injured by a broken glass case for example. By insuring yourself, you're protected should such an accident take a place and the possible lawsuit which could follow.
Product Liability Insurance - any shop would be sensible to purchase product liability insurance. If you create jewellery that is then brought and causes injury or harm to that consumer, they are may be able to sue to you. By getting this insurance you are protecting yourself against any potential financial loss from a court case or legal suit that is brought against you and your business.
Theft Protection - the nature of jewellery shops and the products that are sold make it a place that could be appealing as a target for thieves and, as there are likely to be high value products in the store, theft protection is an essential element for you as a business.
By taking just a few minutes to think through what you need in the way of insurance before committing yourself to a jewellery shop insurance policy can significantly reduce your stress levels at a later date should an incident occur - well worth the effort!
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This content was last reviewed on 22/03/2022