Specialist cover for loose stones and rare gems.
Diamonds & Gemstones Insurance
Loose stones carry immense value in a tiny footprint. Our gemstone programme covers rough and polished diamonds, coloured stones and certified gems, with wordings tuned to the realities of the trade.
Overview
Why this cover matters
Protection for loose diamonds, coloured gemstones and certified stones through cutting, grading, trading and transit.
Certificate-based valuation
Cover aligned to GIA, IGI and other laboratory certificates.
Memo & consignment
Protection for stones held on memo, approval or consignment.
Global transit
Cover across the world's cutting and trading centres.
What’s covered
- Loss and theft of loose stones
- Damage during setting and handling
- Stones held on memo or consignment
- Transit between cutting and grading centres
- Mysterious disappearance
Typical exclusions
- Inherent flaws and treatment failures
- Loss without adequate record-keeping
- Market value fluctuation
- War and confiscation
Exclusions are indicative. Your policy wording sets out the full terms.
Who it's for
Ideal for
- Diamond and gemstone dealers
- Cutters, polishers and graders
- Collectors of investment-grade stones
How it works
Getting covered
- 1
Inventory review
We assess your stock profile, certification and record-keeping standards.
- 2
Memo mapping
Consignment and memo flows are mapped so no stone falls outside cover.
- 3
Bind & track
Cover is issued with clear reporting for high-value movements.
Questions
Frequently asked questions
Yes. Our wordings are designed for the memo and consignment practices central to the diamond and gemstone trade.
Certified stones are valued against their laboratory certificates and current market references agreed at inception.
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Ready to protect your diamonds & gemstones?
Speak with a specialist about tailored cover for your gold, jewelry or precious assets. Every conversation is confidential and without obligation.