Jewelry Store Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

Business Owner’s Policy

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Workers’ Compensation

General Liability

Commercial Property

Other Coverages

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Jewelry store insurance can help protect you from:

Theft

Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.

Product liability

A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.

Advertising injury

A competitor sues you claiming that you copied the "look and feel" of their product listing.

Cyber

Criminals hack your store's site, and now your customers' payment information is compromised.

Jewelry store insurance designed to protect your business

NEXT customizes insurance for small businesses and jewelry store owners like you. We help business owners get covered with policies that are easy to buy in 10 minutes or less and provide 24/7 access to services. Jewelry store owners often buy insurance packages that include:

General liability
Workers’ compensation
Commercial auto
Commercial property

Find the right jewelry store insurance coverage for you

We have all the business insurance you might need for your jewelry shop. And you save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers the risks that affect almost every jewelry store. It's the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

For business owners who own or drive vehicles

Whether your car is essential for your daily operations or a vehicle you only occasionally use for work, you need a commercial auto insurance policy customized for your jewelry store business. Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

For business owners who hire employees

Workers' compensation insurance helps to make sure workers are taken care of if they're hurt on the job, while also protecting jewelry store business owners from significant financial losses after an accident. It's legally required in most states for businesses with employees.

workers compensation can help you pay for:

Medical expenses

Lost Wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property coverage helps protect almost all of the physical items you need to run your jewelry store business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

Straightforward

Easy to use, transparent service. Thank you!

Chelsea C.

Super Simple and Affordable

Super simple to get your small business insured and at a very competitive and affordable price. I researched the company out and they are very well rated. I was insured in what it ...

Richard P.

Easy to sign up

Jasmine C.

Easy

I still can't believe how fast and easy it was to purchase our business insurance from Next. Great company and very nice support.

Jo M.

Great!

Sam T.

I’m sorry, I don’t write

I’m sorry, I don’t write reviews

Felix A.

So simple and so easy

So simple and so easy and satisfying I love next insurance

Mohamed S.

fast and overall good easy

process was easy and fast, especially helpful to small start-ups like us, where time and cost are much more valuable

Sun J.

Straightforward

Easy to use, transparent service. Thank you!

Chelsea C.

Super Simple and Affordable

Super simple to get your small business insured and at a very competitive and affordable price. I researched the company out and they are very well rated. I was insured in what it ...

Richard P.

You can save up to 25% in discounts on jewelry store insurance

You can pay for your jewelry shop insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does jewelry store insurance cost?

Jewelry store insurance coverage costs vary based on the risks that your business faces, such as:

The types of projects you work on
Where your projects are located
Your payroll and the kinds of jobs your employees do
The number and types of vehicles you use at work

You can save up to 25% in discounts, depending on the kind of work you do. More risky professions can expect to pay more.

Learn more about jewelry store insurance costs and coverage.

Jewelry store insurance requirements

Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

Get a business license in your state. It’s a good idea to check if you need a license in your state in order to get insurance.
Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ comp.
Hire employees. Most states require workers’ compensation if you have employees.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about jewelry store business insurance

Here are some of the most common questions we get about jewelry store business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer general liability coverage for jewelry store business?

Yes, NEXT Insurance offers general liability, commercial auto, workers' compensation and commercial property insurance coverage for jewelry stores.

Does NEXT Insurance offer commercial auto coverage for jewelry store business?

Yes, NEXT Insurance offers commercial auto insurance, general liability, commercial property and workers' compensation insurance coverage for jewelry stores.

What are some examples of types of business insurance protection for retail shops?

NEXT’s retail shop policies can help protect your business from a variety of risks and financial losses related to:

Damage to someone else’s property

The paint you sell on Amazon explodes in a customer’s bedroom, ruining the carpet and drapes. Your general liability policy could help pay for the damages.**

Accidents that hurt someone

A customer falls and breaks their arm inside your retail store. Your general liability coverage or BOP insurance could help pay for medical costs and legal fees.

Damage to your own property and inventory

Vandals tag your storefront, break a window and steal some business laptops and products. Commercial property insurance could help with replacement or repair.

Accidents involving your business vehicles

You have a fender bender on the way to a client’s office. Commercial auto insurance could help pay for the damages.

Workplace illness or injuries

Your employee falls off a step stool and twists an ankle — and now you’re down a worker for several weeks. Workers’ compensation insurance can help cover medical bills and lost wages.

Can I add an additional insured to my Live Certificate?

Yes! When you click "Share Proof of Insurance" from within the customer portal, you'll be asked if you need a general proof of insurance or one with a venue or client as additional insured. As soon as you input the details of the additional insured you're adding, you can add their email address and we'll send them over the certificate for you.

Can I add to or change my coverage?

If you’ve expanded your business and need coverage for more kinds of work (or higher amounts of the same coverage), please let us know. One of our support agents can discuss your business's changing needs, and in most cases, we’ll be able to set you up with a new policy on the same day (so there will be no gaps in your coverage).

If you're a customer, your policy documents and changes can be accessed and managed in your online customer account.

The quickest way to talk to our U.S.-based customer service team is through chat. You can reach us by clicking “chat with us” at the very bottom of the help center page.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Amazon Seller, Arts and Crafts Store, Bike Shop, Bookstore, Candle Store, Candy Store, Clothing Store, Convenience Store, E-commerce, Electronics Store, Fabric Store, Florist, Furniture Store, Hardware Store, Jewelry Store, Laundromat, Luggage Store, Medical Supplies Store, Pawn Shop, Retail Store, Toy Store

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.