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.
Know someone in the jewellery trade who may need premises or transit cover? Introduce the opportunity to our Partner Network →
Tell us what you need covered — no payment or policy details required to start the conversation.