Jewellers Package Insurance Policy

  • Buy Jewellers Package Insurance Policy in India

Some businesses like that of jewelers and diamond traders carry significant amount of risk as they deal in valuables. Not only items in the shop or business premises but also in transit or with other parties needs to be secured. Our Jeweller’s Package Insurance Policy covers risk of Gold and valuable’s trade specific risks. Other  than  coverage  for  gold,  diamonds  and  jewellery, jewellery insurance policy  also  covers  various  other  properties,  like contents  comprising  furniture,  fixtures,  interior  decorations,  documents,  personal  effects,  building, accidental death / disablement risks for employees, glass and sanitary fittings against breakage, liability risk towards public and employees, money in transit and at premises, electronic equipment’s, neon signs, hoardings, equipment’s and Consequential Loss (Fire).

Scope of cover

The policy comprises four sections which are optional except for section I which is compulsory.
Section I : Covers loss or damage to jewellery , gold and silver ornaments or plates , pearls, precious stones, cash and currency notes whilst contained in the premises insured, by fire, explosion, lightning, burglary, house breaking, theft, hold up, robbery, riot, strike and malicious damage and terrorism.
Section II : Covers loss or damage to jewellery, gold etc. as described in Section I whilst it is in the custody of the insured, his/her partners, employees, directors, sorters of diamonds or whilst such property (excluding cash and currency notes) is in the custody of brokers, agents, cutters and goldsmiths.
Section III: Covers loss or damage to property described in Section I whilst in transit by registered parcel post, air freight or through angadia.
Section IV: Covers loss or damage to trade and office furniture and fixtures in insured premises due to fire, explosion, lightning, burglary, house breaking, theft, hold up, robbery, riot, strike and malicious damage and terrorism.

Major Exclusions

  • Loss or damage during cleaning repairing restoring
  • Property missing at stock taking
  • Articles in public exhibition
  • Depreciation wear tear etc
  • Window display after close of business hours
  • Earth quake Flood cyclone etc.

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