Jewellers Block Insurance

Your cover will be customised to your needs under one of the various forms of Jewellers Block Insurance we offer.

Covers include:-

Stock and Goods in Trust. Stock and Goods entrusted to you on an All Risks basis, both at your premises and in transit away from the premises or entrusted to third parties and can include cover for Exhibitions, Displays in Hotel showcases and Postal and Courier sendings.
Cover can be included for a representative's or agent's ranges and the policy can be extended to provide cover for losses from unattended vehicles, and cover at Private Homes.
The policy covers the wearing of stock by staff or your relatives.
Damage to stock whilst it is being worked on, including cover for damage to stones.
Policies can be extended to provide an automatic increase in the sums insured for stock during those periods when higher amounts are being carried, eg before Christmas.

Cover for Fixtures & Fittings & All Other Contents

Cover is on a full reinstatement basis and includes:

Accidental damage in addition to the normal covers for fire, theft, storm, flood etc.
Replacement or repairs to safes after the jamming of an anti explosive advice.
The replacement of locks following the loss of keys to the premises or safes.
The cost of replacing hard copy business documents.
Limited cover for employees' tools and personal property on your premises.
Limited cover is included for the Fixtures and Fittings away from the premises.

Consequential Loss of Profits

Serious violent and forcible theft will affect your trade and ultimately the company profits and the policy therefore has an option for cover for this eventuality in addition to the normal covers for Consequential Loss following fire, storm, flood etc.

The policy also provides cover for denial of access to your premises which is particularly important if you are in a shopping precinct. Cover also includes public utilities failure caused by an insured peril.

Property Insurance

There is an option under the policy to cover property owned by the business, against the usual risks of fire and special perils with an option for subsidence, and the insurance of rent that may be payable to the business as landlords.

Pound Breach & Defective Title

This cover particularly applies to retailers but is an option for manufacturers and wholesalers, and applies to goods that are sold to you by a vendor who does not have the legal right to sell, subject to your always taking the appropriate information and identification. Normal limit of cover: £5,000.

Fidelity Guarantee

Our policies provide an option for cover in respect of theft by staff or staffs collusion with others to steal, up to a limit of £250,000.

Professional Indemnity

Retail policies provide Professional Indemnity cover for valuations, with a limit of indemnity of £20,000, which increases to £40,000 for valuations prepared by a "registered valuer".

Personal Accident Assault & Personal Accident Cover

This section provides cover for the proprietors and staff, for personal injury or incapacity following an assault, or the policy can provide full Personal Accident cover.

Public Liability, Products Liablity & Employers Liablity

The policy can be extended to cover your legal liabilities to the public and your employees.

Terrorism insurance is available.