What you need to know
Jewellery is high-value, portable, and difficult to replace and standard commercial property policies are not designed to cover it adequately. A jewellers block policy is a specialist product that provides comprehensive cover for jewellery stock, items in transit, goods in the care of the business, and more. Stainton & Co. places jewellers block cover through specialist underwriting agencies operating with Lloyd's of London security giving our clients access to a product built specifically for the jewellery trade.
What we help with
A comprehensive jewellers block insurance programme, designed to protect your stock on premises, items in transit, goods in your care, and your public liability — ensuring your most valuable inventory and professional reputation remain covered wherever your business and your clients take them.
What's generally covered
Stock in Trade
Jewellery, watches, gems, and precious metals held on the premises, including display stock and items in the safe.
Items in Transit
Stock and goods in transit whether by courier, in the care of a staff member, or being transported to or from a trade show or valuation.
Customer Goods
Jewellery left in your care for repair, resizing, cleaning, or valuation. Cover responds if items are lost, stolen, or damaged while in your custody.
Items at Trade Shows & Off-Premises
Cover for stock taken off-premises for fairs, markets, trunk shows, or client visits where standard policies often exclude cover entirely.
Money
Cash and cheques held on the premises or in transit, including takings in a safe or being banked.
Business Interruption
Loss of gross profit following an insured event covering ongoing fixed costs and lost revenue while the business recovers.
Jewellers block policies are not available through standard commercial insurers. Cover terms, sublimits, and security requirements (such as safe specifications and alarm standards) vary between underwriters. Speak with us about your specific situation before assuming your existing policy responds.