Jewellers’ Insurance Policy

Jewellers Comprehensive Protection Policy for Complete Business Security 

Jewellers face unique risks that demand specialized protection for their business. The Jewellers Comprehensive Protection Policy is designed to safeguard jewellers, pawn brokers and diamantaires against a wide range of threats. From stock in premises and transit to exhibition coverage, accidental damage, employee dishonesty and even public liability—this best jewellery insurance plan ensures complete security for your business assets. With tailored coverage options and a flexible approach, the policy empowers jewellery businesses to operate with peace of mind, no matter their scale or setup.

What is Jewellery Insurance? 

Jewellers' insurance is a specialized coverage plan designed to protect businesses dealing in jewellery from risks such as theft, burglary, fire, accidental damage and loss in transit. It extends to stock within the store, during exhibitions, or while being transported. The best jewellery insurance plans offer comprehensive protection to minimize business interruptions and financial losses, ensuring the continuity of operations even in challenging scenarios. Whether you are a retailer, wholesaler, or manufacturer, jewellery insurance secures both your inventory and reputation.

Features of Jewellery Insurance 

Protecting high-value inventory requires more than a standard policy. The Jewellers Comprehensive Protection Policy comes packed with features tailored for industry-specific needs.

Benefits of Jewellery Insurance 

The best jewellery insurance doesn't just protect—it enables confidence and growth for jewellers.

●      Extensive Asset Protection: Covers stock, equipment, signage and money in transit.

●      Business Continuity: Minimizes disruption by supporting quick recovery from insured events.

●      Legal and Financial Safety: Includes public liability and employee compensation coverage.

●      Customized Coverage: Tailored options meet diverse business models—retailers, pawnbrokers, or manufacturers.

●      Peace of Mind: Operate securely knowing your valuables are comprehensively protected.

Such comprehensive jewellers insurance ensures your business is not just covered, but truly cared for.

Eligibility Criteria for Jewellery Insurance 

Businesses involved in the manufacturing, sale, or custody of jewellery are eligible for the Jewellers Comprehensive Protection Policy. This includes:

●      Licensed jewellers and retailers

●      Jewellery manufacturers

●      Pawnbrokers and diamantaires

●      Traders storing or transporting high-value stock

The applicant must operate legally and maintain proper documentation of inventory and operations.

Documents Required for Jewellery Insurance  

To avail of jewellers insurance, you may need to submit the following documents:

●      Valid business registration certificate

●      Inventory valuation reports

●      Proof of ownership or custody of stock

●      Location address and security measures of the premises

●      Transit and exhibition records (if applicable)

These help assess risk and determine appropriate coverage.

Factors to Consider Before Choosing Jewellery Insurance 

Selecting the best jewellery insurance requires a careful evaluation of your business needs and policy features.

Start with understanding your risk exposure—do you transport goods often, participate in exhibitions, or store high-value inventory? Next, evaluate coverage inclusions: does the Jewellers Comprehensive Protection Policy cover accidental damage, employee dishonesty, or exhibition losses?

Look for flexibility in add-ons and customization. Assess claim settlement history and support services of the insurer. Also, consider policy limits, sub-limits, deductibles and premium costs.

Documents Required for Claim Process for Jewellery Insurance 

To ensure a smooth claim process under Jewellery Insurance, it is important to have all necessary documents in place. These include the original policy document and a duly filled claim form. In cases involving theft or suspicious loss, an FIR or police intimation may be required.

You should also provide valid proof of loss such as invoices, bills, or stock reports, along with any supporting evidence like photographs or CCTV footage of the incident. If a surveyor is appointed, their report must also be included. All documents should be submitted within the timeframe specified by the insurer to avoid delays or claim rejection.

Why Choose Bajaj Allianz General Insurance for Jewellery Insurance? 

Bajaj Allianz General Insurance is known for delivering one of the best jewellery insurance solutions in India. With the Jewellers Comprehensive Protection Policy, businesses benefit from expansive coverage that includes transit, exhibition, theft, natural disasters and employee-related risks. The robust customer support, customizable plans and swift claim settlement process makes us a trusted partner for thousands of jewellers nationwide. Choose Bajaj Allianz General Insurance for reliability, flexibility and peace of mind.