Try Jewelers Mutual in Neenah, WI. They are the only insurance
company that deals exclusively with jewelers.
The problem with Jewelers Mutual is that they deal primarily with
retail or wholesale establishments as opposed to small, studio-based
(and home-based) enterprises; and their application forms ask for
that really doesn’t apply to most very small operations;
and their policies are usually bundled to give coverage in many
areas, most of which are irrelevant to the small timer; and they’re
very expensive (not that any insurance is cheap).
For coverage traveling to and from shows, at shows, in hotels, in
transit to galleries (and a few bundled items you may not need but
they’re relatively minor), try Capacity Coverage Company of New
Jersey/Insurance Resource Group. They offer a Jewelry Floater
underwritten by Lloyds of London.
The person who developed the Jewelry Floater is Michael Bergstein;
his daughter is the Jules in “Just Jules” jewelry. It was because
he’s the father of a jeweler who does lots of shows that he realized
the need for such a policy.
One caveat: While I have had this insurance for several years, I
have never had to file a claim so I have no idea how quickly or how
hassle-free getting compensation for a loss might be – and I hope I
never have to find out. Jeweler’s Mutual, on the other hand, has been
in this business for umpteen years and has a very good reputation in
You can reach Capacity/IRG at 201-236-9800