Comprehensive cover for finished jewelry of every value.
Fine Jewelry Insurance
From a single heirloom to a full retail display, our fine jewelry cover protects finished pieces against loss, theft and damage anywhere in the world, with agreed-value options for irreplaceable items.
Overview
Why this cover matters
All-risks worldwide protection for finished jewelry pieces held by retailers, designers and private owners.
Worldwide, all-risks
Cover follows the piece whether it is worn, displayed, stored or travelling.
Agreed value
Named pieces can be insured on an agreed-value basis with no depreciation arguments.
Discreet claims
Sensitive, confidential handling with access to master jewelers for restoration.
What’s covered
- Accidental loss and damage worldwide
- Theft, robbery and burglary
- Mysterious disappearance
- Damage while being worn or cleaned
- New acquisitions automatically covered (up to a limit)
Typical exclusions
- Wear, tear and gradual loss of stones from worn settings
- Damage during unauthorised repair or alteration
- Confiscation by authorities
- Intentional damage by the insured
Exclusions are indicative. Your policy wording sets out the full terms.
Who it's for
Ideal for
- Private collectors and families
- Independent jewelers and boutiques
- Designers holding finished stock
How it works
Getting covered
- 1
Appraisal review
We review recent valuations or arrange an independent appraisal for named items.
- 2
Schedule build
High-value pieces are scheduled individually; the balance is covered on a blanket basis.
- 3
Issue & protect
Cover is bound worldwide with clear guidance on security warranties.
Questions
Frequently asked questions
Individual valuations are required for named high-value pieces. Lower-value items can be covered on a blanket basis without individual appraisals.
Yes, cover is worldwide, subject to any security warranties such as the use of hotel safes for unattended items.
Explore more
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Ready to protect your fine jewelry?
Speak with a specialist about tailored cover for your gold, jewelry or precious assets. Every conversation is confidential and without obligation.