What insurance does a jewelry maker / jeweler need?
Not all professions face the same risks. Below is a breakdown of every coverage type relevant to jewelry maker / jewelers — what each one covers, whether it's required, and what you should expect to pay in 2026.
Jeweler's Block InsuranceRequired
$40–$100/mo
Specialized coverage for jewelers. Covers precious metals, gemstones, and finished jewelry against theft, mysterious disappearance, and damage.
General LiabilityRequired
$20–$50/mo
Covers customer injuries at your studio or shop and third-party property damage.
Professional Liability
$20–$50/mo
Covers custom design disputes, misrepresentation claims, and workmanship disputes.
Commercial Property
$25–$60/mo
Covers your studio equipment, tools, and non-jewelry business property.
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Top risks for jewelry maker / jewelers
- Precious metal or gemstone theft
- Customer jewelry damaged during repair
- Fire from torch use in studio
- Customer jewelry misplaced or lost
- Design dispute claim
How much does insurance cost?
Most jewelry maker / jewelers pay $60–$150/month for a complete coverage package. Your exact cost depends on your state, annual revenue, whether you have employees, your claims history, and the coverage limits you choose.
Frequently asked questions
What is jeweler's block insurance?
Jeweler's block is a specialty policy covering precious metals, gemstones, and finished jewelry — including items in your possession for repair. It covers theft, mysterious disappearance, and damage.
What if a customer's jewelry is damaged while I'm repairing it?
Customer jewelry in your care is covered by jeweler's block insurance under the care, custody, and control provision. This is the most common claim for jewelers doing repair work.
Does homeowner's insurance cover my jewelry-making business?
No. Home-based jewelry businesses face specific risks — theft of precious materials, customer jewelry in repair — that require commercial jeweler's coverage, not homeowner's insurance.
How to get the best rate
The fastest way to find the lowest rate is to compare multiple carriers side by side. Most jewelry maker / jewelers can get quotes from 3–5 insurers in under 10 minutes and receive their certificate of insurance the same day.