Jewellers Package Insurance Policy
Tailored protection for your inventory, premises, and staff, ensuring complete peace of mind.
Jewellers Package Insurance Policy is designed to protect your jewelry business against a variety of risks, covering everything from valuable stock like gold and diamonds to property and liability. Whether you’re managing a retail store, handling goods in transit, or dealing with valuable equipment, this policy ensures that you have comprehensive coverage for your operations. From damage to stock to accidents involving employees, it offers peace of mind so you can focus on growing your business.
Key Benefits
- Coverage for gold, diamonds, and jewelry
- Protection for inventory, fixtures, and property
- Liability coverage for public and employee accidents
- Accidental death or disablement protection for employees
- Insurance for money in transit and on premises
- Protection for electronic equipment, neon signs, and hoardings
Health Cover Up
to ₹50 Lacs
What is Jewellers Package Insurance Policy?
The Jewellers Package Insurance Policy provides comprehensive protection for jewelry businesses, covering risks like theft, damage, and loss of valuables, as well as property, liability, and employee safety.
Why do you need Jewellers Package Insurance Policy?
Protect Your Valuables
Secure your gold, diamonds, and jewelry against theft and damage.
Comprehensive Business Protection
Cover all aspects of your jewelry business, from inventory to liability.
Employee Safety Assurance
Provide accident protection for your staff and ensure a secure work environment.
Guard Against Financial Loss
Safeguard your business from unexpected events, including transit and property damage.
Why choose Insurance Manager to protect your business?
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
What does Jewellers Package Insurance Policy
cover and exclude?
Plan Coverage
Jewelry Protection at Premises
Safeguard your precious items against fire, theft, and malicious damage at your business location.
Coverage for Jewelry in Custody
Protect your jewelry and valuables while in the custody of employees, agents, or partners.
Transit Protection for Your Valuables
Ensure the safety of your jewelry during transportation, including air freight and registered parcel post.
Business Furniture & Fixtures Coverage
Secure your office and trade furniture, fixtures, and equipment from fire and theft.
Comprehensive Theft Protection
Cover losses from burglary, housebreaking, and robbery in and around your business.
Fire and Explosion Coverage
Get financial protection against losses caused by fire, lightning, and explosions at your premises.
Protection Against Riots and Strikes
Guard your jewelry business from losses due to riots, strikes, and civil disturbances.
Terrorism Risk Coverage
Include coverage for damage caused by terrorist activities, safeguarding your assets.
- In-patient treatment 24 hours a day
- Pre-existing disease
- Pre and Post hospitalization
- Domiciliary hospitalization expenses
- Reimbursement of cost of health check-up
- All day care procedure
- Family floater to covers member’s immediate family such as a spouse, dependent children, dependent parents, etc.
- Maternity benefits
- Dental treatment
- Cost of spectacles, contact lenses
- Waiver of waiting period
- Waiver of first-year exclusions
- Reimbursement of ambulance costs
- Baby day one care
- Vaccination benefits
- Increased room rent limits
- Corporate buffer
- Out-patient treatment (OPD Card)
- Root canal surgery
- In-hospitalization expenses due to sickness or accidents
- Room and boarding expenses as provided by the hospital/nursing home.
- Nursing expenses.
- Surgeon, anesthetist, medical practitioner, consultants or specialist fees.
- Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-Ray, dialysis or chemotherapy.
Major Exclusions
Exclusion of Loss During Repair or Cleaning
No coverage for damage or loss occurring during cleaning, repairing, or restoring jewelry.
Missing Property During Stocktaking
Losses identified during stocktaking or inventory checks are not covered.
Public Exhibition Exclusion
Items displayed in public exhibitions are excluded from coverage under the policy.
Depreciation or Wear and Tear
Natural depreciation or damage from wear and tear is not covered by the policy.
Display Damage After Business Hours
Loss or damage to window displays outside of business hours is excluded.
Natural Disaster Exclusions
Losses caused by earthquakes, floods, cyclones, or other natural disasters are not covered.
Theft of Items During Transport
Items in transit are not covered for theft unless they are fully insured under the transit section.
Intentional Damage or Negligence
Any damage caused by intentional acts or negligence on the part of the insured is excluded.
- If the appropriate waiver is not opted for, then the policy will not cover
- Treatment of pre-existing illnesses.
- Any treatment for illnesses/diseases within the first 30 days of the policy, unless it is an accident.
- Treatment of specified illnesses for the first year of the policy.
- Certain diseases like hernia, cataract, piles, sinusitis, etc are excluded during the first year of operation in the cover.
- Any claim arising out of or traceable to pregnancy.
- Ayurvedic, homeopathy, naturopathy or any other form of local medication.
- Alcoholism, drug abuse, and AIDS.
- Dental treatment or surgery unless it requires hospitalization.
- Cost of spectacles.
- Vaccination and inoculation.
- Cosmetic treatment.
Your Journey to Insurance Manager
When can I Claim?
A claim under Jewellers Package Insurance Policy can be registered in the below circumstances:
- Loss or damage to jewelry or valuables due to theft, fire, or accident.
- Accidents resulting in injury or death to employees during business operations.
- Damage to property or equipment, including glass, fittings, and electronic devices.
Claim what’s yours with Insurance Manager
Have more questions?
Submission
Assessment
