Jewelry stores handle high-value items daily, so coverage must protect against both physical and financial risks. Common policies include:
- General Liability – covers customer injuries or property damage in your store.
- Business Property Insurance – protects your storefront, display cases, and business equipment.
- Business Owner’s Policy (BOP) – combines liability and property protection into one plan.
- Cyber Liability – protects sensitive customer and payment data from breaches or fraud.
- Workers’ Compensation Insurance – Required in most states; covers employee injuries from repetitive tasks, lifting heavy items, or workplace slips.
