Jewellers Block

Fine Art

Jewellers' Block Insurance Solutions

Jewelers Block Insurance provides coverage for loss of or damage to stock of jewelry of retailers, wholesalers, manufacturers, and collectors. We offer coverage to protect your business against all risks associated with the storage and handling of precious stones and metals.

Our brokers have over 50 years of collective experience working with jewelers of various sizes and different types of exposures.

Not only do we insure some of the most well-known jewelry operations worldwide. We can also provide tailored insurance programs for your business, including coverage for loss or damage to stock, burglary/robbery, grab & run, trick loss, substitution, and accidental damage.

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Jewelers Block

What is a Jewelers Block Policy?

The Jewellers Block Policy is an “all-risk” coverage. All-risk coverage means that the insurance company must specify any items that are not covered. If you can’t find a risk under the exclusions, this typically means that it is insured.

Typical risks covered under the Jewellers Block policy are:

Inventory
Travel
Items on store display
Theft/Robbery
Items on memo

Coverage is based on stock at premises, trade shows, and exhibitions. It covers jewelers worldwide with an aim to protect your stock against loss due to burglary and fire as well as shoplifting and robbery.

coverage

What is covered under Jewellers block insurance?

Jewels
Precious and semi-precious stones
Gems
Jewelry
Watches
Precious metals

HWI specializes in niche and hard-to-place risks and can advise you on the following:

Travel

When traveling with jewelry stock, you may have to meet specific criteria to qualify for extended travel coverage. Our team can advise you on travel coverage and personal security.

Jewelry Memo

Temporary consignments from a supplier to a merchant carry different risk exposures, and could even lead to legal disputes. You need to be covered for those risks. HWI can advise you on the coverage that works best for your business.

Display Values

Depending on the circumstances, insurance carriers may impose certain limits on the display values of your jewelry. We can advise you on proper premises security and advice you on how you can increase these limits.