Commercial & Business Lines

Jewelers Block covers your inventory, and we also place the commercial policies and employee benefits that cover the rest of your jewelry operation, all through one independent broker.

What Business Insurance Does a Jewelry Operation Need Besides Jewelers Block?

Jewelers block insurance is built for inventory, but a jewelry operation also has employees, a building, customers, and credit exposure. Each of those carries risks that a Jewelers Block policy is not designed to address. Below are the lines we place alongside it, so one broker can look at the whole account instead of leaving you to piece it together.

Valued the Right Way, From Day One

Business Owner’s Policy (BOP)

A jewelry store BOP typically bundles commercial property and general liability into one policy. It addresses your building, equipment, fixtures, and customer injury claims, which sit outside the inventory your Jewelers Block policy covers.


Umbrella Insurance

Umbrella insurance for your jewelry operation adds liability limits on top of your underlying policies. It matters when a serious claim could exceed the limits you carry today.


Workers’ Compensation

Workers’ compensation for jewelry operation pays medical costs and lost wages when an employee is injured on the job. Most states require it once you have employees, including part-time and seasonal staff.


Crime Insurance

Crime insurance for a jewelry operations typically addresses losses such as money, securities, forgery, and funds transfer fraud. It is different from Jewelers Block employee dishonesty coverage, which applies to employee theft of your jewelry inventory.


Employment Practices Liability (EPLI)

EPLI for a jewelry operation responds to claims brought by employees, such as wrongful termination, discrimination, or harassment. Even a small team can face these claims, and defense costs add up quickly.


Trade Credit Insurance

Trade credit insurance for jewelry operations helps protect wholesalers, manufacturers, and distributors who extend payment terms to retail customers. It responds when a buyer cannot pay, so one customer’s default doesn’t become your cash flow problem.


Employee Health Benefits

Employee health benefits for the jewelry industry are available through JewelersHealthCare.com, where we are a founding partner. Employers can quote, enroll, and manage benefits in real time for full-time, part-time, and seasonal employees, without needing a large HR department.

Why Use One Broker for the Whole Jewelry Operation Account?

We are independent brokerage with more than 70 years of experience insuring commercial and personal risk. That range is why one team can handle your Jewelers Block program, your commercial policies, and your employee benefits together.



  • One point of contact across every line, instead of a different agent for each renewal
  • Fewer carriers to chase and fewer gaps between policies
  • A dedicated claims manager who negotiates on your behalf when a loss happens
  • Long-standing access to the London markets and more Jewelers Block carriers than most competitors disclose
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Want the Full Picture on Each Line?

Each of these lines is explained in more depth on the MJM Global main site, where our full commercial and personal lines team can walk through your options.

Common Questions About Jewelry Business Insurance

  • Does a jewelry store need a BOP and Jewelers Block?

    In most cases, yes. A BOP covers your building, equipment, and general liability, while Jewelers Block covers your jewelry inventory. We review how the two fit together so there is no gap between them.

  • Where can a jewelry business get workers’ comp and health benefits?

    We place workers’ compensation through MJM Global, and employee health benefits through JewelersHealthCare.com, where we are a founding partner. Both can be reviewed alongside your Jewelers Block program.

  • What is the difference between crime insurance and employee dishonesty coverage?

    Employee dishonesty coverage under Jewelers Block addresses employee theft of your jewelry inventory. Crime insurance typically addresses other assets and exposures, such as money, securities, and funds transfer fraud.

  • Who needs trade credit insurance?

    Wholesalers, manufacturers, and distributors who sell to retailers on payment terms are the most common fit. It helps protect against the risk that a customer cannot pay what they owe.