Valuables Insurance
Tailored protection for jewelers and precious metal dealers
As a jeweler, goldsmith, or gemstone dealer, you carry a great responsibility. Your goods are not only valuable but often also irreplaceable. Our valuables insurance offers you a tailored all-risk solution that secures your business existence in the event of damage—in your store, while traveling, and during transport.
Benefits of this insurance
Protects all your jewelry goods both on your own premises and in third-party premises.
Includes coverage for business-related transport as well as travel stock and luggage during business trips.
Covers burglary and robbery, fire, lightning, explosion and their consequential damages, water and storm damage, and vandalism.
Specifically designed to meet the current needs of jewelry businesses.
What is covered
Goods on your business premises
Covers goods while on your premises, provided the agreed storage and security measures are followed.
Goods in third-party premises
Covers goods while at agents, processing facilities, home workers, customers, and banks, under certain conditions.
Transport and business trips
Covers goods during transport with specialized companies and travel stock during business trips, including storage in hotels under deposit receipt.
Theft, robbery, and fire
Covers burglary and robbery (within and outside business hours if security measures are followed), as well as fire, lightning, and explosion.
What is not covered
Non-compliance with security measures
If the agreed storage and security regulations are not followed, coverage may be limited or excluded.
Goods outside the agreed scope
Coverage does not apply to goods in locations or situations not covered by the contract.
Real claim examples
Burglary at the store
A burglary occurs overnight at a jewelry store; the insurance covers the value of the stolen goods.
Robbery during business hours
A robbery occurs during the store's opening hours; the insurance covers the stolen goods as agreed.
Frequently asked questions
Who is this insurance intended for?
For jewelers, goldsmiths, and precious stone and metal dealers.
Does it cover goods outside my store?
Yes, it covers goods at agents, processing facilities, home workers, customers, banks, during transport, and on business trips under certain conditions.
What happens if I store goods in outdoor display cases?
If goods are placed in shop windows or outdoor display cases, coverage only applies if specifically requested and confirmed in writing.
Can I also insure business interruption?
Yes, you can optionally supplement your policy with coverage for lost profits due to a business interruption resulting from a claim.
Do you run a jewelry business or trade in precious metals?
Tell us about your business, and we will help you design the right coverage.
Request free advice