Jeweller's Block Insurance
All-risk cover for jewellery stock in the shop, in the safe and on the move.
For a jeweller, a single robbery can cost more than years of profit. Jeweller's block insurance is built for this business: it covers stock in the showroom during business hours, in the safe after hours, with artisans and in transit, against most risks. Insurers look closely at security, so we help you present your shop well.
Who needs it
- Jewellery showrooms and retailers
- Wholesalers and manufacturers of gold, silver and diamond jewellery
- Bullion and precious-stone traders
What's covered
Stock at the premises
During business hours, and in the safe or strong room after hours.
Burglary, robbery and hold-up
Including armed robbery at the shop.
Stock in transit
Carried by the owner or employees, or sent by approved couriers, as per the policy.
Stock with others
With goldsmiths, artisans, or with customers on approval, within agreed limits.
Fire and allied perils
Damage to stock from fire, flood and other perils.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Stock left in display windows or outside the safe after business hours
- Unexplained losses and shortages found at stocktaking
- Dishonesty of your own employees (see Fidelity Guarantee)
- Losses when stock registers are not properly maintained
Popular add-ons
Fixtures and fittings
Showroom interiors, display counters and safes.
Money
Cash in the shop and in transit.
Documents checklist
To get a quote or buy
- Stock value and stock registers
- Safe and strong-room specifications
- Security details: CCTV, alarms, guards
- Transit practices and courier arrangements
- Business KYC: PAN, GST certificate and address proof
To make a claim
- Claim form and policy copy
- FIR and police investigation report
- Stock registers and purchase records
- CCTV footage where available
Frequently asked questions
Why does the insurer ask so much about security?
The premium and acceptance depend heavily on safes, alarms, CCTV and how stock is handled. Good security can lower your premium.
Is jewellery in the display window covered at night?
Usually not. Policies require stock to be in the safe after business hours.
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