Jewelers block for the inventory you hold.
Jewelers block for stock, memo goods and customers' pieces, plus shipments, crime, property and liability for jewelry stores, wholesalers, designers and repair shops.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
A store policy won't cover the jewelry
Standard business policies limit or exclude jewelry, watches and precious stones. Jewelers block is written for jewelry businesses: your inventory, goods on memo from other dealers, and customers' pieces left for repair or appraisal.
Underwriters look closely at safes, alarms and how you handle shows and shipments. I place jewelers with the specialty markets that write the class, including stores in downtown Los Angeles and Beverly Hills.
- Jewelers blockYour inventory, memo goods and customers' pieces.
- ShipmentsPackages sent by registered mail, courier or armored carrier.
- CrimeEmployee theft and fraud.
- General liabilityInjuries to customers in the store.
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.
- Inventory: average and peak values, and memo goods.
- Security: safe ratings, alarm, cameras and who opens and closes.
- Shipping: how you ship and typical package values.
- Travel: trade shows and goods carried by staff.
- Customers' pieces: repair and appraisal volume.
- History: current policies and any losses.
Jewelry store insurance, answered
What is jewelers block insurance?
A policy written for jewelry businesses that covers inventory, memo goods and customers' pieces, which regular business policies limit or exclude.
Are customers' pieces left for repair covered?
Yes, if jewelers block includes property of others. It's a standard part of most forms.
Does jewelers block cover shipments?
Shipments can be included up to set limits, depending on how you ship. Tell me your methods and values.
What security do carriers require?
Usually a rated safe, a central-station alarm and opening and closing procedures. Better security means more carriers and lower rates.
Do you offer jewelry store insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your inventory. I'll shop it.
Inventory values, security details and your current declarations page are enough to start.
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. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.