| D.A.R.B. Insurance Services, Inc. |
| 805.527.0645 |
| 805.527.0961 |
| Affordable Friendly Service for a Lifetime of Knowledgeable Protection! |
Jewelers Risks
Jewelers Block
Jewelers Block Coverage Includes your merchandise and goods of others,
goods on memorandum, travel, shipping coverage, trade show coverage,
as well as salespersons lines. This policy covers losses typical in the
jewelry industry such as burglary, robbery, sneak theft, fire, and water
damage, to name a few. Protection is also generally provided for insured
property at off-site premises, the wearing of jewelry by you or your
employees while away form your business-which extends to any of the off
premises limits listed in your policy, as well as the cost to hire a trained
security guard in the unusual situation we require a guard due to alarm
system failure; pays up to $1,000. Additionally, there is possible coverage
for the cost to cover an accounting expense of an accounting firm that you
hire at the insurance companies request to present a claim for property
losses caused by covered perils- which can pay up to $1,500.
Coverage extensions can also include theft damage to buildings and
coverage for certain transits on a limited basis. Additional protection
against theft or attempted theft from show windows can be included.
Optional coverage for money located in safes or vaults on your premises is
also available.
This type of policy is appropriate for jewelers, manufacturers, wholesalers,
pawn brokers, watch dealers, retail jewelry shops, and jewelry departments
in department and other specialty stores.
Click here for a Jewelers Block standard application
Jewelers Standard
The Jewelers Standard policy is geared towards jewelry businesses that
have maximum property limits of $500,000. The Jewelers Standard provides
coverage for your inventory of jewelry stock for sale; primary coverage for
customers’ property (from those not in the jewelry business) that has been
delivered or entrusted to you; property of others in the jewelry business
that has been delivered or entrusted to you (often referred to as memo
goods). Additional possible coverage enhancements include the cost to
hire a trained security guard in the unusual situation we require a guard
due to an alarm system failure (can pay up to $1,000), and the cost to cover
the expense of hiring an accounting firm at the insurance companies
request to present a claim for property losses caused by covered perils
(can pay up to $1,500).
Click here for a Jewelers Standard Application
Jewelers Block Coverage Includes your merchandise and goods of others,
goods on memorandum, travel, shipping coverage, trade show coverage,
as well as salespersons lines. This policy covers losses typical in the
jewelry industry such as burglary, robbery, sneak theft, fire, and water
damage, to name a few. Protection is also generally provided for insured
property at off-site premises, the wearing of jewelry by you or your
employees while away form your business-which extends to any of the off
premises limits listed in your policy, as well as the cost to hire a trained
security guard in the unusual situation we require a guard due to alarm
system failure; pays up to $1,000. Additionally, there is possible coverage
for the cost to cover an accounting expense of an accounting firm that you
hire at the insurance companies request to present a claim for property
losses caused by covered perils- which can pay up to $1,500.
Coverage extensions can also include theft damage to buildings and
coverage for certain transits on a limited basis. Additional protection
against theft or attempted theft from show windows can be included.
Optional coverage for money located in safes or vaults on your premises is
also available.
This type of policy is appropriate for jewelers, manufacturers, wholesalers,
pawn brokers, watch dealers, retail jewelry shops, and jewelry departments
in department and other specialty stores.
Click here for a Jewelers Block standard application
Jewelers Standard
The Jewelers Standard policy is geared towards jewelry businesses that
have maximum property limits of $500,000. The Jewelers Standard provides
coverage for your inventory of jewelry stock for sale; primary coverage for
customers’ property (from those not in the jewelry business) that has been
delivered or entrusted to you; property of others in the jewelry business
that has been delivered or entrusted to you (often referred to as memo
goods). Additional possible coverage enhancements include the cost to
hire a trained security guard in the unusual situation we require a guard
due to an alarm system failure (can pay up to $1,000), and the cost to cover
the expense of hiring an accounting firm at the insurance companies
request to present a claim for property losses caused by covered perils
(can pay up to $1,500).
Click here for a Jewelers Standard Application
Appraisers Liability/ Craftsman Policy
Jewelers Mutual created this policy to meet the specific insurance needs of
bench or repair jewelers, appraisers, and custom designers. This policy
combines property, liability, and loss of income coverages to provide
appropriate insurance protection without overlapping or unnecessary
coverage. Property coverage includes owned jewelry, findings and
materials for manufacturing and repair, buildings, furniture; fixtures; tenant
improvements, machinery; tools; equipment, loss of income when your
business is interrupted by loss or damage to real or personal property
caused by a covered peril (excluding theft), property of customers (not in
the jewelry business) that has been delivered or entrusted to you (primary
coverage for customers' property is added to the policy),
and property of others in the jewelry business that has been delivered or
entrusted to you (often referred to as memo goods). The liability coverage
includes bodily injury and property damage, medical payments, products
and completed work, fire legal liability, and ear piercing liability. Various
optional coverages are also available such as appraisal liability and
employee benefits liability.
Click here for a Craftsman Policy application
Jewelers Mutual created this policy to meet the specific insurance needs of
bench or repair jewelers, appraisers, and custom designers. This policy
combines property, liability, and loss of income coverages to provide
appropriate insurance protection without overlapping or unnecessary
coverage. Property coverage includes owned jewelry, findings and
materials for manufacturing and repair, buildings, furniture; fixtures; tenant
improvements, machinery; tools; equipment, loss of income when your
business is interrupted by loss or damage to real or personal property
caused by a covered peril (excluding theft), property of customers (not in
the jewelry business) that has been delivered or entrusted to you (primary
coverage for customers' property is added to the policy),
and property of others in the jewelry business that has been delivered or
entrusted to you (often referred to as memo goods). The liability coverage
includes bodily injury and property damage, medical payments, products
and completed work, fire legal liability, and ear piercing liability. Various
optional coverages are also available such as appraisal liability and
employee benefits liability.
Click here for a Craftsman Policy application
Businessowners Package
The Businessowners Policy provides a custom-designed property and
liability package that includes coverage for manufacturers, retailers,
wholesalers,buildings, business personal property such as furniture,
fixtures, tenants improvements, and loss of income when your business is
interrupted by loss or damage to real or personal property caused by a
covered peril, excluding theft. Additional coverages can include chemical
cleanup caused by accidental spilling of chemicals used in the normal
course of jewelry operations (includes the cost to repair or replace
covered property, cleanup of chemical spills, and loss of income up to
$10,000), and the cost to cover accounting expense of an accounting firm
you hire at the insurance companies request to prove a loss of income
claim caused by covered perils (pays up to $1,500). The Commercial liability
coverage includes bodily injury and property damage, medical payments,
products and completed work, fire legal liability (includes all perils), ear
piercing liability.
Jewelers Enhancement Endorsement
The traditional Jewelers Enhancement Endorsement is included in the
Businessowners Policy for no additional premium. Three other
enhancement options are available for manufacturing, retail, and wholesale
jewelers. Choose the enhancement that best fits your particular insurance
needs.
Equipment breakdown coverage
This coverage is added to your policy to cover direct physical loss and
resulting loss of earnings from equipment breakdown. Coverage includes
physical damage to equipment such as electrical systems, business
equipment (computers, copiers, etc.), telephone systems, heating and air
conditioning equipment, and security systems, loss of earnings as a result
of business interruption, extra expense to make temporary repairs or rent
equipment, spoilage of perishable goods, and data restoration. An Optional
Coverage Package is also available, as well as other optional coverages
such as appraisal liability and employee benefits liability.
Click here for a Businessowners Package application
Excess or Umbrella Liability
Jewelers and manufacturers often need liability coverage in excess of the
limits provided by their primary General Liability policy. Most entities
requiring proof of liability want a $1,000,000 limit, but some locations will
often require higher limits. An Excess or Umbrella policy can provide an
insured with higher substantial limits. The policy covers liability for bodily
injury and property damage, medical payments, personal injury, and
products and completed works
Click here for a Travel Questionnaire
Stock Floaters
Jewelery manufacturers, retailers, wholesalers and assayers often
purchase this insurance to cover precious metals, stones and other goods.
We offer competitive policies underwritten by Lloyds of London.
Precious Metals
Assayers, Manufacturers and Smelters purchase this insurance to cover
operations, transport of goods and employee dishonesty. Coverage can
include machinery, electronic data processing, equipment, furniture and
fixtures, and raw materials. The policy is a combination of ocean cargo,
inland marine, and personal property coverages. The premium is usually
based on a rate applied to the insured's annual sales.
Click here for a stock floater/precious metals application
The Businessowners Policy provides a custom-designed property and
liability package that includes coverage for manufacturers, retailers,
wholesalers,buildings, business personal property such as furniture,
fixtures, tenants improvements, and loss of income when your business is
interrupted by loss or damage to real or personal property caused by a
covered peril, excluding theft. Additional coverages can include chemical
cleanup caused by accidental spilling of chemicals used in the normal
course of jewelry operations (includes the cost to repair or replace
covered property, cleanup of chemical spills, and loss of income up to
$10,000), and the cost to cover accounting expense of an accounting firm
you hire at the insurance companies request to prove a loss of income
claim caused by covered perils (pays up to $1,500). The Commercial liability
coverage includes bodily injury and property damage, medical payments,
products and completed work, fire legal liability (includes all perils), ear
piercing liability.
Jewelers Enhancement Endorsement
The traditional Jewelers Enhancement Endorsement is included in the
Businessowners Policy for no additional premium. Three other
enhancement options are available for manufacturing, retail, and wholesale
jewelers. Choose the enhancement that best fits your particular insurance
needs.
Equipment breakdown coverage
This coverage is added to your policy to cover direct physical loss and
resulting loss of earnings from equipment breakdown. Coverage includes
physical damage to equipment such as electrical systems, business
equipment (computers, copiers, etc.), telephone systems, heating and air
conditioning equipment, and security systems, loss of earnings as a result
of business interruption, extra expense to make temporary repairs or rent
equipment, spoilage of perishable goods, and data restoration. An Optional
Coverage Package is also available, as well as other optional coverages
such as appraisal liability and employee benefits liability.
Click here for a Businessowners Package application
Excess or Umbrella Liability
Jewelers and manufacturers often need liability coverage in excess of the
limits provided by their primary General Liability policy. Most entities
requiring proof of liability want a $1,000,000 limit, but some locations will
often require higher limits. An Excess or Umbrella policy can provide an
insured with higher substantial limits. The policy covers liability for bodily
injury and property damage, medical payments, personal injury, and
products and completed works
Click here for a Travel Questionnaire
Stock Floaters
Jewelery manufacturers, retailers, wholesalers and assayers often
purchase this insurance to cover precious metals, stones and other goods.
We offer competitive policies underwritten by Lloyds of London.
Precious Metals
Assayers, Manufacturers and Smelters purchase this insurance to cover
operations, transport of goods and employee dishonesty. Coverage can
include machinery, electronic data processing, equipment, furniture and
fixtures, and raw materials. The policy is a combination of ocean cargo,
inland marine, and personal property coverages. The premium is usually
based on a rate applied to the insured's annual sales.
Click here for a stock floater/precious metals application
Custom Search
Questions on Workers Compensation? Click Here
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