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| D.A.R.B. Insurance Services, Inc. |
| 805.527.0645 |
| 805.527.0961 |
| Affordable Friendly Service for a Lifetime of Knowledgeable Protection! |
Jewelers Risks
Jewelers Block
Jewelers Block Coverage Includes your merchandise and goods of others, goods
on memorandum, travel, shipping coverage, trade show coverage, as well as
salespersons lines. This policy covers losses typical in the jewelry industry such as
burglary, robbery, sneak theft, fire, and water damage, to name a few. Protection is
also generally provided for insured property at off-site premises, the wearing of
jewelry by you or your employees while away form your business-which extends to
any of the off premises limits listed in your policy, as well as the cost to hire a
trained security guard in the unusual situation we require a guard due to alarm
system failure; pays up to $1,000. Additionally, there is possible coverage for the
cost to cover an accounting expense of an accounting firm that you hire at the
insurance companies request to present a claim for property losses caused by
covered perils- which can pay up to $1,500.
Coverage extensions can also include theft damage to buildings and coverage for
certain transits on a limited basis. Additional protection against theft or attempted
theft from show windows can be included. Optional coverage for money located in
safes or vaults on your premises is also available.
This type of policy is appropriate for jewelers, manufacturers, wholesalers, pawn
brokers, watch dealers, retail jewelry shops, and jewelry departments in department
and other specialty stores.
Click here for a Jewelers Block standard application
Jewelers Standard
The Jewelers Standard policy is geared towards jewelry businesses that have
maximum property limits of $500,000. The Jewelers Standard provides coverage for
your inventory of jewelry stock for sale; primary coverage for customers’ property
(from those not in the jewelry business) that has been delivered or entrusted to you;
property of others in the jewelry business that has been delivered or entrusted to
you (often referred to as memo goods). Additional possible coverage
enhancements include the cost to hire a trained security guard in the unusual
situation we require a guard due to an alarm system failure (can pay up to $1,000),
and the cost to cover the expense of hiring an accounting firm at the insurance
companies request to present a claim for property losses caused by covered perils
(can pay up to $1,500).
Click here for a Jewelers Standard Application
Jewelers Block Coverage Includes your merchandise and goods of others, goods
on memorandum, travel, shipping coverage, trade show coverage, as well as
salespersons lines. This policy covers losses typical in the jewelry industry such as
burglary, robbery, sneak theft, fire, and water damage, to name a few. Protection is
also generally provided for insured property at off-site premises, the wearing of
jewelry by you or your employees while away form your business-which extends to
any of the off premises limits listed in your policy, as well as the cost to hire a
trained security guard in the unusual situation we require a guard due to alarm
system failure; pays up to $1,000. Additionally, there is possible coverage for the
cost to cover an accounting expense of an accounting firm that you hire at the
insurance companies request to present a claim for property losses caused by
covered perils- which can pay up to $1,500.
Coverage extensions can also include theft damage to buildings and coverage for
certain transits on a limited basis. Additional protection against theft or attempted
theft from show windows can be included. Optional coverage for money located in
safes or vaults on your premises is also available.
This type of policy is appropriate for jewelers, manufacturers, wholesalers, pawn
brokers, watch dealers, retail jewelry shops, and jewelry departments in department
and other specialty stores.
Click here for a Jewelers Block standard application
Jewelers Standard
The Jewelers Standard policy is geared towards jewelry businesses that have
maximum property limits of $500,000. The Jewelers Standard provides coverage for
your inventory of jewelry stock for sale; primary coverage for customers’ property
(from those not in the jewelry business) that has been delivered or entrusted to you;
property of others in the jewelry business that has been delivered or entrusted to
you (often referred to as memo goods). Additional possible coverage
enhancements include the cost to hire a trained security guard in the unusual
situation we require a guard due to an alarm system failure (can pay up to $1,000),
and the cost to cover the expense of hiring an accounting firm at the insurance
companies request to present a claim for property losses caused by covered perils
(can pay up to $1,500).
Click here for a Jewelers Standard Application
Appraisers Liability/ Craftsman Policy
Jewelers Mutual created this policy to meet the specific insurance needs of bench
or repair jewelers, appraisers, and custom designers. This policy combines
property, liability, and loss of income coverages to provide appropriate insurance
protection without overlapping or unnecessary coverage. Property coverage
includes owned jewelry, findings and materials for manufacturing and repair,
buildings, furniture; fixtures; tenant improvements, machinery; tools; equipment,
loss of income when your business is interrupted by loss or damage to real or
personal property caused by a covered peril (excluding theft), property of
customers (not in the jewelry business) that has been delivered or entrusted to you
(primary coverage for customers' property is added to the policy),
and property of others in the jewelry business that has been delivered or entrusted
to you (often referred to as memo goods). The liability coverage includes bodily
injury and property damage, medical payments, products and completed work, fire
legal liability, and ear piercing liability. Various optional coverages are also
available such as appraisal liability and employee benefits liability.
Click here for a Craftsman Policy application
Jewelers Mutual created this policy to meet the specific insurance needs of bench
or repair jewelers, appraisers, and custom designers. This policy combines
property, liability, and loss of income coverages to provide appropriate insurance
protection without overlapping or unnecessary coverage. Property coverage
includes owned jewelry, findings and materials for manufacturing and repair,
buildings, furniture; fixtures; tenant improvements, machinery; tools; equipment,
loss of income when your business is interrupted by loss or damage to real or
personal property caused by a covered peril (excluding theft), property of
customers (not in the jewelry business) that has been delivered or entrusted to you
(primary coverage for customers' property is added to the policy),
and property of others in the jewelry business that has been delivered or entrusted
to you (often referred to as memo goods). The liability coverage includes bodily
injury and property damage, medical payments, products and completed work, fire
legal liability, and ear piercing liability. Various optional coverages are also
available such as appraisal liability and employee benefits liability.
Click here for a Craftsman Policy application
Businessowners Package
The Businessowners Policy provides a custom-designed property and liability
package that includes coverage for manufacturers, retailers, wholesalers, and
specialty jewelry businesses. The property portion provides coverage for
buildings, business personal property such as furniture, fixtures, and tenant
improvements, loss of income when your business is interrupted by loss or
damage to real or personal property caused by a covered peril, excluding theft.
Additional coverages can include chemical cleanup caused by accidental spilling
of chemicals used in the normal course of jewelry operations (includes the cost to
repair or replace covered property, cleanup of chemical spills, and loss of income
up to $10,000), and the cost to cover accounting expense of an accounting firm
you hire at the insurance companies request to prove a loss of income claim
caused by covered perils (pays up to $1,500). The Commercial liability coverage
includes bodily injury and property damage, medical payments, products and
completed work, fire legal liability (includes all perils), ear piercing liability.
Jewelers Enhancement Endorsement
The traditional Jewelers Enhancement Endorsement is included in the
Businessowners Policy for no additional premium. Three other enhancement
options are available for manufacturing, retail, and wholesale jewelers. Choose
the enhancement that best fits your particular insurance needs.
Equipment breakdown coverage
This coverage is added to your policy to cover direct physical loss and resulting
loss of earnings from equipment breakdown. Coverage includes physical damage
to equipment such as electrical systems, business equipment (computers, copiers,
etc.), telephone systems, heating and air conditioning equipment, and security
systems, loss of earnings as a result of business interruption, extra expense to
make temporary repairs or rent equipment, spoilage of perishable goods, and
data restoration. An Optional Coverage Package is also available, as well as other
optional coverages such as appraisal liability and employee benefits liability.
Click here for a Businessowners Package application
Excess or Umbrella Liability
Jewelers and manufacturers often need liability coverage in excess of
the limits provided by their primary General Liability policy. Most entities
requiring proof of liability want a $1,000,000 limit, but some locations will
often require higher limits. An Excess or Umbrella policy can provide an
insured with higher substantial limits. The policy covers liability for bodily
injury and property damage, medical payments, personal injury, and
products and completed works
Click here for a Travel Questionnaire
The Businessowners Policy provides a custom-designed property and liability
package that includes coverage for manufacturers, retailers, wholesalers, and
specialty jewelry businesses. The property portion provides coverage for
buildings, business personal property such as furniture, fixtures, and tenant
improvements, loss of income when your business is interrupted by loss or
damage to real or personal property caused by a covered peril, excluding theft.
Additional coverages can include chemical cleanup caused by accidental spilling
of chemicals used in the normal course of jewelry operations (includes the cost to
repair or replace covered property, cleanup of chemical spills, and loss of income
up to $10,000), and the cost to cover accounting expense of an accounting firm
you hire at the insurance companies request to prove a loss of income claim
caused by covered perils (pays up to $1,500). The Commercial liability coverage
includes bodily injury and property damage, medical payments, products and
completed work, fire legal liability (includes all perils), ear piercing liability.
Jewelers Enhancement Endorsement
The traditional Jewelers Enhancement Endorsement is included in the
Businessowners Policy for no additional premium. Three other enhancement
options are available for manufacturing, retail, and wholesale jewelers. Choose
the enhancement that best fits your particular insurance needs.
Equipment breakdown coverage
This coverage is added to your policy to cover direct physical loss and resulting
loss of earnings from equipment breakdown. Coverage includes physical damage
to equipment such as electrical systems, business equipment (computers, copiers,
etc.), telephone systems, heating and air conditioning equipment, and security
systems, loss of earnings as a result of business interruption, extra expense to
make temporary repairs or rent equipment, spoilage of perishable goods, and
data restoration. An Optional Coverage Package is also available, as well as other
optional coverages such as appraisal liability and employee benefits liability.
Click here for a Businessowners Package application
Excess or Umbrella Liability
Jewelers and manufacturers often need liability coverage in excess of
the limits provided by their primary General Liability policy. Most entities
requiring proof of liability want a $1,000,000 limit, but some locations will
often require higher limits. An Excess or Umbrella policy can provide an
insured with higher substantial limits. The policy covers liability for bodily
injury and property damage, medical payments, personal injury, and
products and completed works
Click here for a Travel Questionnaire
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