Jewelry maker insurance
One application, multiple quotes. All in one place.
Essential Protection
From
$20.75
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$20.75
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Jewelry Maker Insurance?
If you’re earning a living as a jewelry maker, you’ve turned your passion into a small business. Designing jewelry requires creativity, attention to detail, and countless hours. With all the time you’ve put into building your business, you deserve insurance that helps protect your hard work.
Below are some of the most common types of insurance policies that jewelry makers carry to stay protected.
What Type of Jewelry Maker Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Kind of Insurance Do You Need as a Jewelry Maker?
Your jewelry is unique, and so is your business. The types of insurance coverage you might need will depend on many factors.
Here are a few questions to consider:
- Do you own a storefront?
- Do you sell your jewelry online?
- Do you participate in events and craft fairs?
- Do you have employees?
Choosing insurance may seem daunting, but we can make the process less stressful. We work with small business owners to understand their specific needs so we can provide among the best insurance solutions.
Here are the policies we recommend looking into:
General liability insurance
As a jewelry maker, you turn gemstones and metals into hand-crafted earrings, rings, pins, necklaces, and more. You may not think there’s much risk involved with being an artisan, but accidents can happen anytime, anywhere. That’s why general liability insurance (“GL”) coverage is so important.
A GL policy typically covers third-party bodily injury, third-party property damage, and other third-party accidents. A “third party” could be your customers and vendors. Say a customer comes into your jewelry store, slips and falls on your freshly-waxed floor, and breaks her arm.
Without insurance, you’d likely need to pay your customer’s medical bills, and legal costs if she were to sue you. According to an industry benchmark study, the average claim for customer injury and damage in small businesses is $45,000. Just think of how many precious gemstones you could buy with that money.
Here’s where general liability insurance can benefit you. It could help pay your customer’s medical expenses and the costs of damages or legal fees up to your policy’s limit.
General liability insurance typically covers:
- Third-party property damage
- Third-party bodily injury
- Third-party Medical expenses
- Personal and advertising injury
- And more
General liability insurance does not cover:
- Personal property damage
- Professional services
- Employee injury and workers’ compensation
- Damage to your work
- Automobile liability
- Intentional injury or damage
- And more
Workers’ compensation insurance
Do you have full-time, part-time, or temporary employees? If so, you may need workers’ compensation insurance. Most states require business owners with employees to have this type of coverage, so check your state’s laws to be sure you know the requirements.
Workers’ compensation can cover the costs of employee injury or illness while on the job. So having this coverage is usually a smart business move, even if your state doesn’t require it.
In general, workers’ compensation insurance for jewelers can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Cyber insurance
If you use the internet for your business and electronically store information, we recommend cyber insurance to protect your jewelry business from cyberattacks. Small businesses can be targets for this type of criminal activity, because they often collect and store customer data such as personal and payment information.
Businesses that suffer cyberattacks can face devastating financial consequences, because a cyberattack usually requires a business to respond to the event in multiple ways, which can be expensive and time-consuming.
For example, a small business owner may be responsible for:
- Finding and fixing the breach
- Notifying their customers
- Providing credit monitoring for affected customers
- And more
Cyberattacks can wreak havoc on a small business. Knowing you have cyber insurance to cover costs, including legal fees, can help you focus on addressing the problem and taking care of your business and customers.
Here’s what cyber insurance usually covers:
- Crisis management expense
- Forensic and legal expense
- Fraud response expense
- Extortion loss
- Public relations expense
- And more
Cyber liability insurance usually does not cover:
- Potential future lost profits
- Cost to improve system security
- Loss of value from theft of intellectual property
- And more
What is Covered by Jewelry Business Insurance?
Your jewelry maker insurance coverage will depend on the policy or policies you choose. If you need multiple policies, we recommend that you consider bundling your policies into one insurance plan customized to fit your business’s needs. The coverages we’ve outlined can protect you from the most significant risks and liabilities you may face as a jewelry maker.
If you opt for all the suggested policies above, your jewelry maker insurance plan can cover:
Third-party bodily injury
Loss and damage to business property
Expenses related to responding to fraud events
Lost wages
And more
How Much Does Jewelry Business Insurance Cost?
Insurance costs for small business owners will vary, even among jewelry makers. Our quote process helps tailor each quote to your business and needs. Generally, you can expect your insurance costs to be based on:
- Payroll and revenue estimates
- The location of your business
- The specific services you offer
- And more
Want to see how much your insurance may cost? Just click here and get a free quote from some of the most trusted insurers in the country.
What Does Jewelry Making Insurance Cost
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Answers to More Jewelry Making Insurance Coverage Questions
Most states don’t require jewelry makers to have business insurance. But if you rent a physical space, your property manager might request that you have commercial general liability coverage. This plan can protect you if there’s an accident, injury, or loss on the property.
If you have employees, you’ll likely need workers’ comp coverage, as most states require it.
Business owners can usually deduct insurance premiums from their income tax. However, we always recommend that you talk to an accountant or tax advisor to make sure.
The amount of coverage you might need can rely greatly on your specific business, so it’s tough to give an exact answer that can apply to every jewelry maker. The level of coverage that’s right for your business depends on:
- The size of your business
- Your business’s location
- Your annual revenue
- And more
Our quote process takes all of this into consideration to provide the recommended coverage. One of our licensed agents will be happy to assist you if you have additional questions.
Getting your free insurance quotes takes only a few minutes, but having your information on hand makes the process even easier. We recommend you have the following:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
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Owner of Room to Breathe Professional Organizing
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We’ve Got More Helpful Information
9-minute read
A General Liability Insurance Guide for Small Business
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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