Their heirloom, on your bench.
Coverage for customers' watches and jewelry in your care, jewelers block for stock and repairs, burglary and robbery, faulty-work liability and general liability for repair shops.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Bailee, safes and fine parts
A repair shop's biggest exposure is property that isn't yours. A drawer of customers' watches and rings can be worth more than the shop, and a burglary or a slip of the tool means you owe the owner. Standard property policies often don't cover customers' goods well, so repair shops usually need a jewelers block or bailee form.
Insurers ask the same questions every time: safe rating, alarm, what stays out overnight, and how items are logged in and out. Clock repair adds house calls for grandfather clocks, which brings in work at customers' homes.
- Customers' propertyItems left for repair, in your care.
- Jewelers blockStock, repairs and items in transit.
- CrimeBurglary, robbery and employee theft.
- General liabilityVisitors and work at customers' homes.
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.
- Shop: address and whether you also sell watches or jewelry.
- Customers' items: typical and highest value on hand.
- Security: safe rating, alarm and what stays out overnight.
- Shipping: how and how often items are mailed out.
- House calls: clock service at customers' homes.
- History: current policies and any losses.
Watch repair insurance, answered
Is a customer's watch covered if it's stolen from my shop?
Only if your policy covers property of others. A jewelers block or bailee coverage is built for that, subject to its terms and limits.
What if I damage a watch while repairing it?
Many forms exclude damage from the work itself. Some repair shops add coverage for it; I'll check what's available for your work.
Do I need a safe to get coverage?
Most insurers set rules about safes and alarms for items left out overnight. Better security often widens the options.
Are items covered while I mail them out?
Transit coverage can be added. Insurers often set rules on the carrier, packaging and declared value.
Do you offer watch repair 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.
Official sources
Protect what's left in your care
Tell me what's on hand, your safe and alarm setup, and whether you sell too. I'll quote it with insurers that write jewelers and repair shops.
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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(877) 711-4545Answered 24/7 · CA License #4348151
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