Jewelry Store

Save up to 30% on your business insurance

Insure your gems, Coverage that truly sparkles!

At Coverage Cowboy, we understand the unique needs of jewelry store owners and are dedicated to providing comprehensive coverage for your valuable business. Our tailored insurance policies ensure your inventory, customers, and employees are protected from potential risks.

From property damage to theft and liability, our experienced agents will work closely with you to create a customized insurance policy that keeps your jewelry store shining bright. Trust GemGuard to safeguard your business and enjoy the peace of mind you deserve.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Jewelry Store businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is essential for jewelry stores because it protects them from unexpected incidents that could hurt their business. For example, if a customer accidentally slips and falls in your store, this insurance would cover their medical expenses and any potential lawsuits. A jewelry store with general liability insurance can confidently focus on selling beautiful pieces without worrying about costly accidents.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is essential for jewelry store owners who use vehicles for business purposes, such as delivering precious gems and jewelry to customers. This insurance protects your business from financial loss if an accident occurs while using a company vehicle. For example, if an employee is delivering a custom engagement ring and gets into a car accident, commercial auto insurance can help cover the costs of vehicle repairs and potential liability claims.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is essential for jewelry store owners to protect their employees in case of accidents or injuries. For example, if a staff member accidentally cuts their hand while handling a sharp-edged gemstone, this insurance can cover their medical expenses and lost wages during recovery. By having workers’ compensation, jewelry store owners can ensure a safe and secure work environment, while also safeguarding their business from potential financial setbacks.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

A jewelry store needs commercial property insurance to protect its valuable inventory and store space. For example, if a pipe bursts and causes water damage to the store’s walls, display cases, and precious gems, commercial property insurance can help cover the costs of repairs and replacements. This insurance is essential for jewelry store owners to safeguard their business and maintain peace of mind.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Jewelry Store business insurance

How does business insurance protect Jewelry Stores?

Business insurance offers vital protection for jewelry stores in several ways:

  1. Property Insurance: Protects your store’s physical structure, inventory, and equipment from damage due to events like fire, theft, or natural disasters.
  2. Liability Insurance: Covers legal expenses and potential settlements if someone is injured on your property or if you are found responsible for damaging another person’s property.
  3. Workers’ Compensation: Provides financial support for employees who suffer work-related injuries or illnesses. It helps cover medical expenses and lost wages.
  4. Crime Insurance: Offers protection against theft, burglary, robbery, and employee dishonesty, which are common risks for jewelry stores.
  5. Jewelers’ Block Insurance: A specialized coverage tailored to the unique risks of jewelry stores, covering loss, theft, or damage of high-value inventory.

Overall, business insurance acts as a safeguard for jewelry stores, ensuring financial stability and peace of mind in the face of potential risks.

What do I need to get an insurance quote?

To get a jewelry store insurance quote, please gather the following information:

  • Business name and contact details
  • Location and size of your jewelry store
  • Estimated annual revenue and payroll
  • Number of employees
  • Inventory value and type of jewelry you sell
  • Security measures in place (e.g., safes, alarms, surveillance)

Once you have this information, you’re ready to request a tailored insurance quote for your jewelry store. Our Coverage Cowboy team is here to help you find the best protection at a competitive price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.