Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 3 named markets · read 2026-10-28

Who insures Jewelers block?

Jewelers block is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

3 markets publicly write Jewelers block: Berkley Asset Protection, Kinsale Insurance, AXA XL. 2 admitted carriers, 1 E&S carrier. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Berkley Asset Protection
Admitted carrier		Jewelers block for retailers, designers, manufacturers, wholesalers, refiners, precious metals, the watch trade and personal jewelry collections, with 'empowered jewelers block underwriters'; application PDF on the page; products provided by W. R. Berkley Corporation insurance subsidiaries.
“We understand the unique nature of the jewelry industry, so we offer innovative insurance products,”		not statednot statedberkleyassetpro.com · read 2026-10-28
Kinsale Insurance
E&S carrier		Inland marine target classes (Retail) include Jewelers Block and Fine Arts Dealers; a 'Jewelry Dealers Proposal (IM1211)' application is listed; page describes Kinsale as a surplus lines carrier.
“Jewelers Block”		not statedSurplus lineskinsaleins.com · read 2026-10-28
AXA XL
Admitted carrier		Fine Art & Specie team lists 'Jewelers' Block Insurance' under Specie (also personal jewelry under Art); covers jewelry, watches, gemstones and bullion worldwide; page lists the US AXA XL insurance companies.
“Jewelers' Block Insurance”		not statednot statedaxaxl.com · read 2026-10-28

Jewelers Mutual returns 403 to fetches (not verified). Great American's fine art page names only rare jewelry collections; Chubb and Beazley jewelry pages are personal lines; Ascot's specie page is UK (en-gb) and was not used; Hiscox, Travelers and Hartford were not reached. The shared WebSearch budget was exhausted this turn, so candidates came from the assigned list and were verified by direct WebFetch only; several domain safety checks were rate-limited and retried once.

How Jewelers block gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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