Public liability and specialist stock cover built for jewellers, including the security requirements that come with holding high-value stock.
Public liability and specialist stock cover built for jewellers, including the security requirements that come with holding high-value stock.
Stock security termsItems left for repairMoney cover
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Jewellers insurance is a combination of covers built around holding high-value stock in a small space, public liability for customer injury, specialist stock cover, and employers’ liability if you have staff.
Any item you sell as gold, silver, platinum or palladium above a small weight threshold must be hallmarked by law under the Hallmarking Act 1973, selling it unhallmarked is a criminal offence, regardless of intent.
The right jewellers cover depends on:
Value of stock heldSecurity measures in placeNumber of employeesSafe and alarm specificationStock value and turnoverCustomer-facing counter service
Cover that fits the way your shop works
Cover that fits the way your shop works
High-value stock in a small space brings its own everyday risks.
High-value stock in a small space brings its own everyday risks.
RecommendedPublic Liability
Protection if a customer or member of the public is injured or their property is damaged.
RecommendedEmployers’ Liability
Cover for claims involving employees injured at work.
RecommendedProperty & Contents
Protection for your premises, safes and fittings.
RecommendedBusiness Interruption
Support for loss of income following a robbery, fire or flood.
OptionalStock & Equipment
Specialist cover for high-value stock against theft, robbery or damage.
OptionalProduct Liability
Protection against claims arising from items you’ve sold or repaired.
What could go wrong in a jeweller’s shop?
What could go wrong in a jeweller’s shop?
Most jeweller claims come from stock theft or a break-in, damage to an item left for repair, or a customer injured in store.
Most jeweller claims come from stock theft or a break-in, damage to an item left for repair, or a customer injured in store.
High-value stock is stolen from the shop or a display cabinet.
This type of business insurance may suit you if you sell, repair or value jewellery and precious metals.
The right cover depends on:
Independent jewellersJewellers offering repairsWatch and clock specialistsJewellers with multiple sitesOnline jewellery sellersJewellers with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
Stock theft, damage to an item left for repair, a customer injury and a staff injury are the four jeweller scenarios insurers see most. Each responds to a different cover.
Stock theft, damage to an item left for repair, a customer injury and a staff injury are the four jeweller scenarios insurers see most. Each responds to a different cover.
Robbery
High-value stock is stolen in a robbery or break-in.
Potential cover
Stock & Equipment
Customer injury
A customer slips or trips in the shop.
Potential cover
Public Liability
Staff injury
An employee is injured at work.
Potential cover
Employers’ Liability
Misdescription claim
An item is sold with an incorrect precious metal description.
Potential cover
Product Liability
There’s no fixed price. Jewellers are priced mainly on stock value and security, safe specification, alarm grade and window limits all matter.
Value of stock held
Higher-value stock significantly increases your cover needs.
Number of staff
More employees increase your employers’ liability exposure.
Security measures
Safe rating, alarms and CCTV can all affect your premium.
Level of cover
Higher stock limits and specialist cover increase your premium.
Whether you offer repairs
Repair and workshop work adds product liability risk.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting jewellers insurance takes four steps: tell us about your shop, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting jewellers insurance takes four steps: tell us about your shop, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Tell us about your shop
Your stock value, security and whether you have staff.
Tell us what you need
Which covers matter most to you.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Jewellers insurance guides
Jewellers insurance guides
Practical advice on cover, security and staying protected.
Practical advice on cover, security and staying protected.
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Why Newsagents and Corner Shops Need Tailored Insurance
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What Does Convenience Store Insurance Protect You Against?
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Off‑Licence & Specialty Retail Shop Insurance: What Extra Risks Should You Cover?
Running an off‑licence or specialty retail shop in the UK often brings unique challenges that may not apply to standard retail businesses. Whether selling alcohol, tobacco, perishable goods, or niche products, off‑licences and specialist shops can face additional risks that may require tailored insurance cover.
Shop Insurance Add‑ons: Legal Expenses & More
Arranging shop insurance in the UK can provide core protection for buildings, contents, and public liability, but many shop owners may benefit from exploring additional cover options. Certain risks can remain unprotected without carefully selected insurance add-ons.
Shop Equipment & Contents Cover: Avoiding Hidden Risks in Fixtures and Stock
Running a shop in the UK often involves more than protecting the building itself. Many retailers rely heavily on fixtures, fittings, specialist equipment, and valuable stock to operate successfully. Without the right shop insurance, these assets can be at risk from theft, accidental damage, or unforeseen incidents such as fire or flooding.
Jewellers insurance FAQs
Jewellers insurance FAQs
Straight answers on cover, security, hallmarking and cost.
Straight answers on cover, security, hallmarking and cost.
Jewellers insurance is a combination of covers built around holding high-value stock: public liability for customer injury, specialist stock cover for theft and robbery, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
Related shops we cover
Related shops we cover
Jewellers share stock and security risks with these retailers. Each has its own cover needs.
Jewellers share stock and security risks with these retailers. Each has its own cover needs.
Gift Shop Insurance
High-value giftware with similar display and theft exposure.
Clothes Shop Insurance
Retail premises with stock, fitting rooms and customer footfall.
Convenience Store Insurance
Till operations, cash handling and security requirements.
