Jewellers Insurance UK Comparison

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Do I Need Insurance for my Jewellery Business?

If you are the owner of a jewellery shop, you will need a level of cover that protects your valuable stock. Jewellers insurance can provide you with cover for your shop or your commercial business. 

The jewellery trade has always been healthy in the UK and can fall into different categories. These include  Retailer or outlet store, designers, manufactures, pawnbroker, jeweller fairs,  a high-street chain or an independent  jewellery workshop with sales counter. This is cover that needs to be tailored to your specific business requirements. The quote system provided by QuoteSearcher can help by sharing your Jewellers' insurance requirements, with a panel of select UK brokers. These brokers will compete for your business.

jewellers insurance uk

Is Jewellery shop insurance a legal requirement

If you run a Jewellery shop or business no legal requirements exists to have cover for your premises and stock, but if you employ staff you must have employer's liability insurance. However, if you have valuable stock and also trade with the public, you  should consider  both public liability and product liability to safeguard your business from financial loss.

Jewellers insurance Polices tailored to your business needs

Depending on your role in the UK Jewellery trade, you should consider the following options.

This applies to all jewellery makers who sell their designs online or at craft fairs. This is because it applies specifically to your product. Essentially, if a product that you have sold is responsible for the injury of another person, you may be held liable for that injury. Product liability insurance for your jewellery business will cover you if a claim of that nature arises –whether that’s in the form of compensation or finding the money to cover legal fees.

  • Product Liability :  If you are a jewellery designer or manufacturer, product liability will cover against any claim made by the public in relation to injury caused your jewellery products. 
  • Public Liability: This is cover for anything in connection to an injury or damage to the property of a third party. This is important for Jewellers  that deal with the public. The classic example is a customer tripping over a loose cable whilst in your shop. Many fairs and exhibitions will insist of you having public liability shop before allow you participate in these type of events.
  • Exhibitions and Fairs:  If you attend fairs or exhibitions make sure your policy includes cover for your Jewellery at such events.

Public liability insurance offers you cover if anything in connection with your business – products, venues, or otherwise – is responsible for injury or damage to property of a third party. For example, this could apply if you were in attendance at a craft fair and someone tripped over a cable you were using to supply your craft stall with electricity for lighting. In this instance, public liability usually covers you for costs associated with a claim made against you for injury or damage to property.

How much is jewellers insurance?

The cost of cover will depend on a number of factors that determine your risk to the insurance company. The value of stock will play an important role and your claims' history. Security factors will also factor in, so it may be worth discussing how your premium could be lowered by employing better security measures. 

Get Multiple Jewellers insurance Quotes Quickly

Insurance for jewellers is more complex than standard shop insurance. We work in partnership with Quotezone who forward your details onto specialist insurance brokers. To get a range of competitive quotes quickly, simple click the quote button below and provide and answers a few essential questions. 

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