Our Jewelers Block Policy offers unparalleled "all risk" coverage, shielding you from a myriad of potential threats. From Burglary to Robbery, Shoplifting to Grab and Run, Trick Loss to Substitution, and even Accidental Damage and Fire, our policy has you covered. We understand the unique risks that jewelers face, which is why our coverage extends to safeguard your business against these eventualities and more.
At Jewelery Store Insurance, we believe in crafting tailored solutions that match your specific needs and requirements. Drawing upon our extensive industry experience, we design bespoke policies that address your unique challenges, ensuring maximum protection for your business assets.
Tailored Fine Art insurance covers paintings, sculptures, glassware, antiques, and rare coins comprehensively.
Our comprehensive solutions cater to diverse operations within the Jewelry and Gem Stone industry.
Our all-encompassing coverage spans a variety of valuable assets, including cash, gold, and other precious items.
We're committed to providing you with an unparalleled experience. We understand that your jewelry represents more than just monetary value – it embodies cherished memories and emotional connections. With our comprehensive coverage and personalized service, you can trust that your clients' precious belongings are in safe hands.
Experience the difference with Jeweler Store Insurance today. Reach out to us to explore how we can tailor a policy to safeguard your business and give you the peace of mind you deserve.
Jewelers Block Insurance is a specialised all-risk commercial policy designed exclusively for Jewelery retailers, wholesalers, and manufacturers in Canada. It provides comprehensive protection against burglary, robbery, shoplifting, accidental damage, and fire risks that standard Canadian business insurance policies are not structured to cover adequately for high-value inventory. Jewelery Store Insurance has delivered Jewelers Block solutions to Canadian businesses for over two decades.
Standard commercial property policies generally exclude jewels, jewellery, costume jewellery, watches, pearls, and precious or semi precious stones. As a result, businesses dealing with these items typically require specialised coverage designed for the unique risks associated with the Jewelery trade.
Coverage for stock and property away from the insured premises is not automatically included and should be discussed during the quotation process. If your business attends trade shows, exhibitions, or stores inventory away from the premises, it is important to ensure these activities are disclosed. If circumstances change during the policy period, additional coverage may be available subject to underwriting review. Always check your policy wording or speak with your broker to confirm the cover in place.
Security requirements vary by risk, but stores are generally required to have alarm systems, surveillance cameras, safes, and controlled access procedures in place. In addition, the following requirements are mandatory:
• The entrance door must remain locked at all times and only be unlocked to allow customers to enter or exit.
• A minimum of two employees must be present at all times, including during opening, closing, and staff breaks.
• All showcases and wall cabinets must be fitted with locks. Open shelving or unlocked display cabinets are not accepted.
Coverage for employee dishonesty or internal theft depends on the specific policy and cover selected. It is important to review your policy wording or discuss available protection options during the quotation process to ensure your business has the coverage it requires.
The stock limit under the policy includes customer owned property and other people's goods in your care, custody, or control. These values must be declared during the quotation process and should accurately reflect the maximum exposure of stock and customer property held at any one time.
Customer owned items held for repair, cleaning, resizing, appraisal, or other services form part of the overall stock exposure declared during the quotation process. It is important that the value of other people's goods is accurately disclosed to ensure the appropriate level of coverage is arranged.
