• The impact of a jewelry claim is serious!
• Jewelry loss counts as HO loss.
• Jewelry losses hit CLUE and PILR reports.
• Client loses homeowners’ “claim free” rating.
• HO policy is difficult to re-market after a loss.
• “Mysterious disappearance” claims, in particular, are red flags.

Other disadvantages

• HO policies have capacity limitations.
• Many HO carriers will not cover higher-value jewelry.
• HO policies will not list non-family members with “insurable interest.”

• Higher limits
• Higher value per piece – expensive jewelry not excluded.
• New appraisal not needed

We accept any reasonable appraisal

• Co-insured (for example, fiancé) can be listed.
• Illustrated scheduled shows (as well as describes) insured jewelry.
• Highly competitive rates
• Discounts available for
  • good appraisals
  • home alarm system
  • in-safe storage when jewelry isn’t being worn
• Jewelry claims do not impact homeowner coverage.

• • Emotional importance of jewelry may it be a gift, heirloom or an investment

APPLICATIONS:

• Art Dealers
• Artist Transit/Exhibition/Studio Insurance New Program
• Auctioneers
• Conservators/Restorers
• Corporate Collections
• Personal Collections
• Exhibitions
• Museum Collections
• Business Owners Liability