Jewelers Block & fine arts insurance
Jewelers Block.
Fine Arts.
Specialist insurance for the jewelry trade, fine-art businesses, and private collections. Coverage for valuable property wherever it sits: on the premises, in transit, and in the hands of others.
Knowledge of the trade
From the refinery
to the gallery.
Our clients range from precious-metal refiners and smelters to diamond and gemstone dealers, jewelry manufacturers, online sellers, galleries, and private collectors. They include some of the world’s largest wholesalers and leading retailers.
We want to understand how you do business: the goods you hold, the people you entrust them to, and the journeys they take. Stock on memo, a stone with a setter, an overseas shipment, and art on loan all raise different questions. We work through them with you before there is a loss.
Isaak grew up in Europe as a jeweler’s son. He has a lasting love for jewelry and a close understanding of the trade—the craftsmanship, the relationships, and the responsibility that comes with handling valuable goods. He enjoys getting to know the people behind the business and takes a personal interest in seeing them properly covered. That understanding guides the way we ask questions, work on the policy wording, and stand beside a jeweler when there is a loss.
Experience & market relationships
Access to specialist
underwriters.
In this trade, the broker’s reputation carries weight. Underwriters know we take care in choosing the businesses we represent and understanding how they handle their stock. For clients we know and trust, that confidence gives us real negotiating strength. Our longstanding relationships across specialist and international markets help us secure competitive premiums, often with meaningful savings. We also look at bringing coverages together where it makes sense, so the client benefits from the strength of the whole account.
When a standard policy misses something important, we work with the underwriter on the wording. We want the coverage to reflect how you handle the goods, and we explain the limits and conditions openly so you know where you stand.
Coverage review
Valuable property.
Specific exposures.
These are some of the conversations we have with jewelers, fine-art businesses, and collectors. The details help us work out what needs protecting and which terms deserve particular attention.
Painting by Sruly Friedman.
On the premises & out of safe
The goods on your counters or in a workshop may have a much smaller limit than the stock in your safe. We talk through how much is out during the day and what happens at closing, then work on terms that fit the way you operate.
Mysterious disappearance & employee dishonesty
Missing stock does not always come with a clear explanation. Unexplained disappearance and employee theft can be treated very differently by a policy. We help you understand those differences, work on appropriate protection, and explain the records and conditions the insurer expects.
Memo, consignment & entrusted goods
Your goods may be with another dealer or a setter, while someone else’s property is in your care. We work through what happens if those goods are lost, damaged, stolen, or not returned. Who owns them and who is responsible can change the answer.
Fine art, exhibitions & transit
A piece can move from a private collection to a gallery, an exhibition, or storage. We want to understand where it goes, who handles it, and the value you would expect to recover. Those conversations guide the coverage we seek and the conditions we explain.
Cutting, setting & handling
A damaged stone or a mistake at the bench can mean a substantial loss. Some policies restrict damage during cutting, setting, polishing, or repair. We take those concerns to underwriters and work on terms suited to the work being done.
Travel, shows & wearing
The trip to a show, a night in a hotel, and a private viewing all need attention. We talk through who carries the stock, where it stays, and how it is secured. Wearing goods, unattended vehicles, and exhibition setup can each have their own restrictions.
Domestic & international shipping
You should know where protection begins and ends before a valuable parcel leaves your hands. We work through the courier, service, destination, value, packing, and returns. For regular shippers, we also explore including transit in a broader annual policy.
These coverages are not automatic. Availability, limits, deductibles, security requirements, and exclusions depend on the insurer and the wording agreed for your business or collection.
A closer look at transit
Shipping within
an annual policy.
Businesses shipping valuable goods regularly may benefit from transit coverage within an annual policy. We compare that option with buying insurance for individual shipments.
For some clients, annual arrangements have saved tens of thousands of dollars, and in some cases hundreds of thousands, compared with insuring shipments individually. Results depend on volume, values, destinations, and the terms available.
We confirm approved services, shipment limits, international destinations, returns, and any declarations required by the insurer.
Questions worth asking
What does your
policy actually cover?
Our policy reviews often uncover gaps the owner did not know about. A substantial overall limit may still be restricted by lower limits or exclusions for particular losses.
These questions help establish what the policy will cover and what you would need to support a claim.
Do the full policy limits apply to every type of loss?
Ask for the limits for mysterious disappearance, employee dishonesty, goods out of safe, and each off-premises exposure. Is there a lower sublimit or a separate deductible? A substantial overall limit does not answer those questions.
How much stock can remain out of safe?
Check both business hours and after-hours requirements, including windows, counters, workshops, and overnight storage. Do the insurer’s safe and alarm conditions match what actually happens at closing time?
What happens to goods on memo or with another jeweler?
Review goods you send out and goods you receive, including property with setters, repairers, photographers, or other dealers. How does coverage respond to physical loss, and how does it treat dishonest acts or a failure to return goods? Payment default is a separate question.
Are the road, the hotel, and the show all covered?
Check the journey as well as the destination: who may carry stock, the locations and territories permitted, storage between appointments, and exhibition setup and breakdown. Ask specifically about unattended vehicles, hotel storage, and wearing goods.
Does shipping coverage follow the whole journey?
Confirm the permitted courier and service, the limit for each parcel, international destinations, returns, and any packing or declaration requirements. When does coverage attach, and when does it end?
Would the policy pay the value you expect?
Look at the valuation basis, stock records, and how changing metal and gemstone prices are handled. Do current limits reflect peak stock, memo goods, and the inventory you actually hold? What evidence would be needed after a loss?
Claims advocacy
Experienced advocacy.
Millions recovered.
Our Jewelers Block work has helped clients recover millions of dollars. Some recoveries relied on wording we had negotiated for losses excluded by standard terms.
A loss in this business can be deeply personal as well as financially serious. We help you understand the coverage, think through the next steps, and work with the carrier toward payment. When a claim is challenged or denied, we analyze the reasoning and the policy, and advocate for the coverage we believe applies.
Our relationships with insurers help us have the conversations a difficult claim needs. We stay involved, keep you informed, and pursue what is due under the policy. The facts and the agreed coverage matter; so does having someone who knows the trade standing beside you.
Support beyond placement
Keeping coverage current.
Values & appraisals
When an appraisal or valuation is needed for jewelry, fine art, or another collection, we help you find appropriate specialists through our industry contacts and resources. We also help clarify the documentation your insurer expects.
Security & insurer requirements
We guide you through the policy’s requirements for safes, alarms, storage, and handling. If you are moving, changing security, or introducing a new way of working, we help raise the right questions with the carrier.
Inventory & annual reviews
Stock changes, prices move, and the business develops. We keep those conversations going so the insurance can keep up. We look for shortfalls and unnecessary cost, and help you understand what needs to change.
We value clients who share accurate information and act on sound advice. In return, they can expect direct answers and consistent support from our team.