Navigating today’s jewellery, gemstone and watch market has never been more complex. Rising theft and fraud risks, volatile precious metal and gemstone prices, increased regulation and evolving consumer behaviour all place growing pressure on businesses across the sector. Having the right Jewellers Block insurance in place is no longer optional – it is fundamental to protecting stock, cash flow and long‑term continuity.
We take the time to understand how your business operates. We listen carefully, challenge assumptions where necessary, and design bespoke Jewellers Block solutions that reflect the real risks you face – whether you are a retailer, wholesaler, manufacturer or specialist service provider trading in the UK or internationally.
Who we support
Independent retail jewellers
High-end designers and ateliers
Multi-site operations
Manufacturers and wholesalers
Businesses trading internationally
Advice that makes a difference
Is your jewellery properly insured? The expert who says you probably need to check…We're specialists in Jewellery Block insurance
Through our collective experience, we’ve observed many of the best and worst practices in the insurance advisory market. We’re here to challenge the status quo and aim to establish a new level of service. We’re combining the best traditions of technical advice and client centricity, with modern thinking and smart use of systems and technology to enhance the client experience and create a dynamic workplace for our team.
Challenges – Understanding the risks you face
Risk is rising across the jewellery sector, but the greatest threat is rarely the loss itself. The real risk is programme failure: insurance that doesn’t respond as expected when it matters most.
Market volatility, increased theft and fraud, international trading complexity and heightened insurer scrutiny mean accurate structuring and ongoing advice are critical to effective Jewellers Block insurance.
How We Support
We take the time to listen, understand your operations and always stand shoulder to shoulder with you. Our advisers collaborate closely with specialist underwriters to build truly bespoke Jewellers Block insurance that moves with your business, ensuring cover remains aligned, responsive and fit for purpose as your trading patterns and exposures change.
Your Business Performs
With over 35 years’ experience in the art and jewellery insurance market and more than £350m in premiums placed, we combine deep sector expertise with strong underwriter relationships to deliver clear, specialist advice that adds real value. Our partnership‑led approach balances scale with personal service, ensuring your Jewellers Block insurance strengthens resilience, supports growth and underpins long‑term business performance.
Why do you need jewellers block insurance?
In today’s fast‑moving jewellery, diamond and watch market, having the right Jewellers Block insurance is essential to protecting your business against increasingly complex and interconnected risks. Record‑high gold prices, fluctuating gemstone values, synthetic competition and rising fraud mean stock is more exposed – and more heavily scrutinised – than ever. At the same time, theft and cybercrime continue to increase as high‑value, portable assets become easier to target.
Add ongoing pressure from regulation, global uncertainty and changing consumer behaviour, and expert guidance is no longer optional – it is critical. Properly structured Jewellers Block insurance ensures valuations remain accurate, assets are protected across all stages of trade, and cover evolves in line with how your business operates, whether you are a retailer, wholesaler, distributor, polisher, repairer or manufacturer.
Why standard commercial policies fall short
Many jewellery businesses begin with a packaged commercial policy. Over time, exposure increases, but the insurance structure often remains static.
Common shortcomings include:
- Incorrect basis of settlement (cost vs selling price)
- Restrictive single‑article limits
- Inadequate transit clauses
- Security warranties that are impractical operationally
- Poor alignment between stock records and policy declarations
We stand with you shoulder to shoulder to make sure your insurance programs evolves to fit your needs as your business grows and develops.
How we structure a Jewellers Block programme
Jewellers Block insurance is not simply ‘better cover’, it is a different risk‑protection architecture entirely – designed specifically for businesses dealing in high‑value, mobile stock and operating under constant commercial and insurer scrutiny.
Our approach is consultative and forensic. We review:
- Stock profile and peak exposure modelling
- Security infrastructure and insurer compatibility
- Transit, exhibition and international trading patterns
- Claims history and insurer relationship dynamics
We then structure a programme that:
- Reflects true peak exposure
- Aligns operational reality with policy warranties
- Protects selling price where appropriate
- Ensures clarity at the point of claim
Claims advocacy for high‑value losses
The objective is simple: no surprises when it matters most.
Should a six‑figure loss occur, the policy wording is only the starting point. What determines the outcome is how the claim is handled – from the first notification through to final settlement – and who is standing shoulder to shoulder with you during that process.
We believe the claims process should be the first conversation you have with your broker, not the last. That’s because the true value of any insurance programme is only revealed at the point of loss. Clients should expect clarity, advocacy and momentum – not uncertainty, delay or complication.
Our role goes far beyond placing cover. We act as your advocate, standing between you and the insurer when scrutiny is highest and commercial pressure at its greatest. That includes:
- Early notification
- Loss presentation
- Insurer negotiation
- Protecting cash flow during settlement
High‑value jewellery and watch claims are complex. Without proactive advocacy, even well‑intentioned policies can underperform. With the right adviser, the process is calm and controlled, transparent and commercially focused, giving you reassurance when you need it most.
