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Smarter business insurance

Jewellery Store Insurance.
Cover for High-Value Stock.

Finding insurance for jewellery businesses isn't always straightforward. We can help.

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Jewellery stores carry stock that's valuable, portable and a target for theft. That combination makes insurers cautious. Many jewellery retailers find it difficult to get cover, or get quoted premiums that don't make sense for their business. If you've been knocked back or are struggling to find the right policy, we can help you look at your options.

RISK ARCHITECTURE

What we cover

Insurance for jewellery stores typically includes a few key areas:

Protects your inventory, whether that's finished pieces, loose gemstones, precious metals or items you're holding for repair. Cover usually applies to theft, fire and other specified events, though insurers will want to know how your stock is secured.

Covers your shop fit-out, display cases, tools and equipment if they're damaged by fire, storm, vandalism or other insured events.

Covers you if a customer or visitor is injured in your store, or if you accidentally damage someone else's property.

Can help replace lost income if you need to close temporarily after an insured event, like a break-in or fire.

Depending on your situation, you might also need cover for stock in transit, goods on consignment, or items displayed at trade shows and markets.

Jewellery being inspected

Why jewellery businesses often need a broker

Jewellery stores aren't a straightforward risk for most insurers. High stock values, the portability of the product and the theft exposure mean many mainstream insurers either won't quote or will only offer cover with significant conditions.

Insurers typically have requirements around security, things like safes, alarm systems, CCTV and how stock is stored overnight. If your setup doesn't match their criteria, getting cover can be difficult.

A broker can help you understand what insurers are looking for, find markets that will consider your business, and make sure the policy you end up with actually covers what you need it to.

KNOWLEDGE BASE

FAQs

It can be. High stock values and theft risk make jewellery stores a harder risk for insurers to place. If you've been declined or quoted a premium that seems too high, it's worth talking to a broker to see what other options are available.
This varies between insurers, but most will ask about safes, alarm systems, CCTV and how you store stock overnight. Some insurers have specific minimum requirements, while others assess each business individually.
Yes, but you'll need to make sure your policy includes cover for stock held off-site. Let us know if you sell at events and we can check this is included.
Goods belonging to customers, whether for repair or sale on consignment, can usually be covered. You'll need to declare the value of goods you typically hold so the policy reflects your actual exposure.

Get the right cover for your jewellery business

Call us on 02 9000 1155 or request a quote online.

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