Small pieces, big values.
Coverage for metals, stones and finished pieces in the studio, in transit and at shows, product liability, theft, and liability for jewelry makers, casters and lapidaries.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Torches, shows and metal content
Jewelry makers work with torches, kilns, casting equipment and polishing wheels, which makes fire and injury real questions in a small studio. Inventory moves constantly: to craft fairs, to buyers, through the mail. A jewelers block or inland marine form follows it in a way a home or shop policy usually won't.
Product questions come up too. A skin reaction to a metal, a clasp that fails, or a claim about gold content can all turn into claims. California also limits lead in jewelry, especially pieces made for children, so I ask what metals and findings you use.
- InventoryMetals, stones and finished pieces.
- Transit and showsCraft fairs, trade shows and shipping.
- Product liabilityReactions, failures and metal claims.
- PropertyTorches, kilns, casting and studio gear.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Studio: address, home or commercial space.
- Materials: metals, stones and peak inventory value.
- Equipment: torches, kilns and casting gear.
- Selling: shows, online, wholesale or retail.
- Security: safe, alarm and storage at shows.
- Revenue: annual figures and any past losses.
Jewelry maker insurance, answered
Does my homeowners policy cover my jewelry business?
Usually only a small amount of business property, and not items for sale or at shows. A business policy is the usual fix.
Is my stock covered at a craft fair?
Only if the policy covers property away from your premises. Many show organizers also ask for a liability certificate.
What if a customer reacts to a metal?
That's a product liability claim, subject to the policy terms. Clear labeling of metals and plating helps.
Are stones I'm cutting for a client covered?
Customers' stones need property-of-others coverage. Tell me how much client material you hold at once.
Do you offer jewelry maker insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Cover the studio and the show table
Send me your materials, inventory value and where you sell. I'll quote it with insurers that write jewelers.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
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Takes about 30 seconds. Your application link comes by email right away, and you get an update at every step until your quotes are ready.
(877) 711-4545Answered 24/7 · CA License #4348151
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Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.