Combined stock and premises cover, purpose-built for jewellery, gems and high-value goods businesses.
Jewellers Block Insurance is a package policy designed specifically for jewellers, gemstone dealers and high-value goods businesses. It typically combines cover for stock (at your premises, in a bank locker, or in transit) with cover for the premises itself, under one policy rather than several separate ones — and is often required by lenders as a condition of working-capital finance.
Cover for stock held at your declared workshop, showroom or safe/locker location.
Combined in one policy rather than arranged as separate covers, which is the core appeal of a Block policy.
Cover for the building and fittings alongside the stock inside it, depending on the policy structure.
Optional or built-in cover for stock moving between your own premises, exhibitions or a bank.
Every policy is different — this is a general guide to the kind of exclusions common in this category, not a list for any specific policy.
Prevent further loss — secure the safe, premises or remaining stock immediately.
Generally essential for theft or burglary claims — file without delay.
Keep packaging, security-case seals and any transit documents — don't discard anything.
Share your policy details and the FIR as soon as you reasonably can.
Invoices, certificates and valuation records supporting the declared value, then submit for survey/assessment.
For full step-by-step guidance and a claim assistance form, visit the Claims Centre →
We're preparing a short explainer on jewellers block insurance. In the meantime, the sections above cover the essentials — or get in touch with a question.
No — a standard property policy isn't built for the concentration of value typical in jewellery stock, and often under-serves or excludes it. A Block policy is purpose-built for that risk profile.
Many Block policies offer an in-transit extension for this, but terms vary — this is worth confirming explicitly rather than assuming it's automatically included.
Jewellers Block Insurance is a common and generally accepted way to demonstrate stock cover for working-capital financing, though the specific requirement is ultimately your lender's to confirm.
Tell us what you need covered — no payment or policy details required to start the conversation.