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1,800+
Total Businesses insured
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1,100+
Total Jewellers insured
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94%
Claim Settlement Ratio
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50+
Partners
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What is Covered under Jewellers insurance or Jeweler Block Insurance
Insurance for Jewellers provide protection for loss or damage to valuable items such as jewellery, gold and silver ornaments or plates, pearls, precious stones, cash, and currency notes while they are located within the insured premises. The policy covers a range of risks including fire, explosion, lightning, burglary, housebreaking, theft, hold up, robbery, riot, strike, malicious damage, and terrorism.
The policy is specifically designed for those involved in the gold and valuable trade and offers various coverage options based on individual requirements. One of the sections covered by the policy is the Jewellers Block Policy, which is tailored for businesses that deal exclusively in diamonds such as jewellers and diamantaires.
Jewellers Block Policy is an insurance policy that provides coverage for loss or damage to jewelry and related businesses due to theft, fire, or other perils. Some of the sections which you can choose to include in your jewelry insurance policy include:
- Stock in Insured Premises, including goods in trust/on commission .
- Stock in Custody, including goods In trust/on commission
- Stock in Transit, including goods in trust/on commission
- Stock In Exhibitions, including goods in trust/on commission
- Coverage of Building & Assets of the insured Premises
- Coverage of Fixed Glass and related fittings in the Insured Property
- Coverage of Fixed Glass and related fittings in the Insured Property
- Covers Neon illuminated Signs, hoardings at the Insured Premises
- Electronic Equipment
- Public Liability at the Insured Premises
- Coverage of Workmen’s Compensation for workers within the Insured Premises
- Covers Money in transit or at the Insured Premises
- Consequential Loss (Fire)
What’s Not Covered in Insurance for Jewellers?
Some common exclusions under insurance for jewelers include:
- Wilful acts or gross negligence
- Losses that take place beyond the geographical boundaries specified in the Schedule
- Destruction/Damage by own fermentation, natural heating, or spontaneous combustion
- Forest fire
- Any precious stones, cheques, currency, documents, or similar items that are not explicitly declared
- Consequential losses, if not opted
- Theft: Theft during/after operation of peril
- Terrorism, war, and nuclear group of perils
- Inadequate funds caused by an error or omission
How to Choose the Correct Sum Insured Under Jewellery Insurance Policy?
It is important to choose Jewellers insurance that provide you sufficient financial coverage. Choosing the right insured value for a jewellers insurance policy is crucial in ensuring comprehensive protection. Jewellers insurance comprises several sections, and the insured amount is determined based on the sections that you select. The following are some of the sections that are typically included in a jewellery insurance policy:
Type of Sections |
Required Sum Insured |
Section I: Property at the policyholder's premisesSection II: Property outside the policyholder's premises |
For property located at the policyholder's premises, the insured amount under Sections I, II, and IV must match the total amount stated on the purchase invoice. The insured value may encompass the cost of gold, silver, pearls, and other precious stones, as well as any other merchandise and materials used in the insured's business. It may also include extra costs related to glazing, artwork, or finishing of jewelry, as well as expenses for freight and duty paid. However, it should not be more than the 10% of the purchase invoice (cost price). |
Section III: Transit insurance |
Sum insured should present the annual carrying limit of the transit. |
Section IV: Insured property at exhibition |
The insured amount for cash and currency notes will be the highest amount that is at risk during the policy period. |
Section V: Other Property |
The insured amount must be equivalent to the reinstatement value of the insured property. |
Section VI: Infidelity of employees |
The insured amount will be (a) the limit specified in the Schedule for an employee declared beforehand under their name and/or designation, or (b) the maximum limit per incident, or (c) the limit stated in the policy for all claims combined. |
Section VII: Plate glass |
Sufficient coverage must be available to replace the item, accounting for depreciation, in the event of a loss. |
Section VIII: Signage |
Coverage would be the current market value. |
Section IX: Electronic Equipment |
The insurance coverage would be based on the cost of replacing the insured property with new property of equivalent type and capacity. The replacement value of insured property would include freight, dues and customs duties and erection costs. |
Section X: Portable Equipment |
Sum insured would be the current market value (replacement cost after deducting depreciation). |
Section XI: Employee Compensation |
The coverage provided by the insurance policy would be determined by the maximum amount of liability that the policyholder has chosen. |
How to Buy Jewellers Liability Insurance from Triyomi ?
Triyomi , a top insurance advisor for companies, can assist you in selecting the appropriate Jewellers Insurance Policy that meets your needs. Simply provide some information about what you're looking for, and Triyomi acting as a jewellery insurance broker, will create insurance policy quotes for you to compare and choose the best option.
If you want to understand more about how insurance works, you can talk to the experts at Triyomi . They work with many different insurance companies, which makes it easier to find and personalize a jewellery insurance policy at an affordable price.




Why Shop with Triyomi
- It covers gold, diamonds, etc at the insured premises.
- It covers property in transit
- It also covers building & other contents
- Classification of risks based on security features
- It does not cover inventory loss
- It does not cover theft or disappearance of property
- Coverage is provided for Personal Accident for insured, Partners and employee
- Protection is offered for trade equipment
Associated with
📿How this insurance safeguards your valuable gems.💎
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Theft
Chain-snatching or robbery can be unnerving. That’s why we give you full value of the stolen jewellery.
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Anyone could be wearing it
We know that you love to share, which is why your jewellery is covered, even if your mom or sister is wearing it.
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Accidental Damage
Accidentally broken jewellery won’t break your heart. We will repair it for you.
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Worldwide Coverage
Carry your jewellery while travelling, without carrying the burden of fear.
Shop with Confidence
Triyomi Care -Brand New Jewel Insurance
Testimonials





Gold and Diamond RingI treated myself to the Gold and Diamond Ring from Triyomi Collection, and it’s even more beautiful in person! The combination of gold and diamond gives it such an elegant and luxurious feel. It’s a true showstopper, and I receive compliments every time I wear it!"
Custom Gold Nameplate Necklace - Ravi"I ordered a Custom Gold Nameplate Necklace from Triyomi Collection, and it exceeded all my expectations. The personalization was done beautifully, and the gold is of the highest quality. I love how unique and meaningful this piece is — it's a perfect gift for myself.
Gold Coin (20g) with Traditional Design - PaviThe 20g Gold Coin with a traditional design from Triyomi Collection is absolutely stunning. The craftsmanship is exquisite, and the intricate detailing makes it a perfect gift for any occasion. It’s a great investment and a beautiful piece that I will cherish for years to come.
Custom-designed Long Harem Necklace - RekhaI had a Custom-designed Long Harem Necklace made at Triyomi Collection, and it turned out even better than I imagined. The team worked closely with me to create a design that perfectly suited my style and preferences. The attention to detail is incredible, and the necklace has become one of my favorite pieces in my collection."
Gold-Plated Long Harem Necklace - PriyaThe Gold-Plated Long Harem Necklace from Triyomi Collection is a stunning piece. It’s beautifully crafted, lightweight, and has the perfect shine. I wear it frequently, and it complements almost every outfit, from traditional to modern styles. It’s a must-have in any jewelry collection
Recent Claims
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Claim Solved: Rs. 5 Lakhs
Alankar Jewellery
Their employee had collected gold bar from Vishal Chain Delhi and was coming to Mumbai in Rajdhani train at Kota railway station. He was forced to get down by a duty police officer and was taken to a lonely place and robbed.
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Claim Solved: Rs. 25 Lakhs
Arihant Gold
Employee was coming to Mumbai from Varanasi. He was robbed by gun point in rikshaw at Varanasi Station.
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Claim Solved: Rs. 75 Lakhs
Murari Exports
Two employees were travelling in bus with two bags containing gold, bus takes a hault where one employee got down for washroom and another employee was on the bus suddenly two people entered the bus and stole one bag of gold.
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Claim Solved: Rs. 2.5 Lakhs
Guinea Gold
Four miscreants came in the shop as customers and at gunpoint looted gold ornaments.
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