CASURANCE× TRAVELERS COMMERCIAL
Check Eligibility
RetailSIC 5944

Jewelry Store Insurance in California

Commercial insurance for jewelry retailers, custom jewelers, and watch dealers, including coverage for high-value inventory.

Jewelry Store Insurance - Travelers commercial insurance coverage

Common Risks & Exposures for Jewelry Store

  • Burglary and armed robbery exposure
  • Mysterious disappearance of high-value inventory
  • Employee dishonesty claims
  • Customer injury on showroom premises
Jewelry Store Insurance on the job

Coverage Options for Jewelry Store

Jewelry retailers require inland marine or jewelers block coverage. Security system requirements, safe ratings, and inventory values are key factors.

Business Owners Policy

Bundles general liability and commercial property into a single, typically lower-cost policy for smaller and mid-sized operations.

Commercial Property

Covers your building, contents, and business personal property against fire, theft, and other covered perils.

General Liability

Protects against third-party claims of bodily injury, property damage, and advertising injury arising from your operations — the foundation of most commercial policies.

Inland Marine

Covers tools, equipment, and materials while in transit, in storage, or at a job site — property that a standard property policy may not follow.

Crime/Theft

Covers losses from employee dishonesty, burglary, and theft of money, securities, or property.

Workers Compensation

Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.

Lease, Vendor & Compliance Requirements

Certificate of Insurance naming your landlord as additional insured, as required by most commercial leases
Business personal property and inventory values documented for accurate coverage limits
Point-of-sale and security system information on file, which can influence theft coverage and pricing
Vendor or supplier contracts reviewed for indemnification and product liability allocation
Seasonal inventory fluctuations reported so property limits stay adequate year-round

What Underwriters Ask About Jewelry Store

These are the main quote factors Travelers underwriters typically review for this class:

  • Maximum inventory value on hand
  • Security systems installed
  • Safe specifications
  • Prior theft or burglary claims
  • Annual sales revenue

Have an Expiring Policy or Loss Runs?

Upload your current declarations page, loss runs, or CSLB/license documentation with your quote request and we'll factor them into your jewelry store quote — often speeding up turnaround time.

Frequently Asked Questions

Related Retail Classes

Clothing Store InsuranceBeauty Supply Store InsuranceElectronics Retailer InsuranceFlorist InsuranceFurniture Store InsuranceSporting Goods Store Insurance

Get a Jewelry Store Insurance Quote

Tell us about your business and Casurance can help you review Travelers coverage options for jewelry store.

Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage.

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Business Owners PolicyCommercial PropertyGeneral LiabilityInland MarineCrime/TheftWorkers Compensation
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Casurance Insurance Agency is an independent insurance agency. This website is not owned or operated by Travelers. Travelers and the Travelers umbrella logo are registered trademarks of The Travelers Indemnity Company. Coverage availability, pricing, eligibility, and terms are subject to underwriting approval, policy provisions, and state availability.