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Jewellers Block insurance

Help protect jewellery stock, goods in trust and other business assets with Jewellers Block insurance arranged by Marsh, subject to policy terms, limits and exclusions.

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What is Jewellers Block insurance?

Jewellers Block insurance is designed for jewellery businesses that handle valuable stock, customers’ goods and other business assets.

Depending on your policy and schedule, cover can include stock and merchandise, cash and negotiable documents at the insured premises and elsewhere within the stated territorial limits. It can also cover other business contents and certain damage to premises by thieves.

Some risks have specific limits or require optional extensions, including public exhibitions, home risk, unattended vehicles and overseas transit. The policy wording and schedule set out the cover, limits, conditions and exclusions that apply.

What can Jewellers Block insurance cover?

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Cover for jewellery stock

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Goods in trust

Cover can apply to stock entrusted to dealers, customers in the trade, repairers, cutters and brokers, subject to the policy terms and limits.

Travellers and delivery

Stock may be covered while carried by you, your representatives, travellers, agents, messengers and delivery staff, subject to policy conditions.

Sendings

Cover may apply from the time goods are accepted by the carrier until they are delivered to the consignee, subject to policy terms and limits.

Cash and negotiable documents

Cover can include cash and negotiable documents used in the business, subject to the limits shown in the schedule.

Hold-up and robbery

Cover can respond to loss or damage to insured property by robbery at the premises, subject to the applicable limit shown in the schedule.

Cover for business contents

Cover can include trade and office furniture, fixtures, fittings, machinery, plant, safes, alarm systems, tenants’ decorations and improvements, subject to the policy.

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Damage to premises by thieves

Cover can apply to certain damage to the premises or landlord’s fixtures and fittings caused by burglars, housebreakers or thieves, including attempted theft.

Specified insured events

Business contents can be covered for specified events, including fire, burglary, theft, storm, flood, water damage, earthquake, and malicious damage.

Safes and alarm systems

Safes and alarm systems are included within the policy’s description of other business contents, subject to applicable terms, conditions, and limits.

Optional extensions

Some protections are optional and apply only where included in the schedule. Availability, limits, conditions and any additional premium depend on the extension.

Cover is subject to the applicable policy wording, schedule, limits, terms, conditions and exclusions. Optional extensions apply only where included in the schedule.

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Public exhibitions

Public exhibition cover may be available where included in the schedule and agreed by the insurer. Security and storage conditions also apply.

Home risk

A Home Risk extension may cover goods kept overnight or on weekends at an insured home, subject to the schedule limit and locked-safe requirements when unattended.

Unattended motor vehicles

An optional extension may cover valuables in an unattended vehicle, subject to limits and security requirements. Restrictions apply outside normal business hours.

Overseas transit

verseas transit may be available where the sending or trip is advised to and accepted by the insurer, and the applicable additional premium is paid.

Other optional extensions

Other optional extensions include fusion, glass, stolen or forged cheques, demolition and clearance, and certain theft of customers’ goods held for repair or alteration.

Why arrange Jewellers Block insurance through Marsh?

Marsh combines specialist jeweller insurance experience with an Australia-wide broker network and claims support.

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Specialist support for jewellers

Marsh has been arranging specialist cover for jewellers across Australia.

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Claims support

Marsh can help manage, negotiate and settle insurance claims with insurers on your behalf.

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Australia-wide broker network

Marsh has an Australia-wide network of brokers supporting business owners with their insurance needs.

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Industry association relationships

Marsh is the endorsed insurance broker for more than 130 Australian industry groups and member associations.

Why use a broker for your

Choosing business insurance can involve different products, types of cover and policy terminology. A broker can help identify your business risks, consider suitable insurance options and advocate for you through the insurance process.

 

Jewellers Block insurance can also involve different limits and conditions depending on where stock is stored, displayed, carried, entrusted or sent. A broker can help you understand the policy terms and options that may apply to your business.

Marsh can also arrange other insurance solutions that may be relevant to jewellery businesses, including business interruption, commercial property, goods-in-transit, cyber, management liability, professional indemnity, public liability and workplace personal injury insurance.

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Frequently asked questions

The policy can cover property entrusted to the insured, subject to its terms, limits and exclusions. Goods entrusted solely for safe custody are excluded under the supplied wording.

Cover may apply while stock is carried by you, authorised representatives or delivery staff, subject to policy conditions. Personal custody requirements apply, and carrier sendings may be covered until delivery to the consignee.

Overseas transit is an optional extension. The relevant trip or sending must be advised to and accepted by the insurer, with the applicable additional premium paid.

Public exhibition cover may be available where the extension is included in the schedule and agreed by the insurer. Security and storage conditions also apply.

Home Risk may be available as an optional extension, with locked-safe requirements when goods are unattended. Unattended vehicle cover is also optional and subject to limits, security requirements and restrictions.

The policy generally excludes insured property while being worn or used by specified people. Limited exceptions apply, including watches worn for testing and property up to AUD 5,000 in total at any one time.

The policy includes conditions relating to safes, display windows, locked showcases, alarms and protection equipment. Relevant safe and alarm keys must also be removed from the premises when the business is closed.

Stock claims use the valuation basis shown in the schedule, or historical cost price if none is shown. You may also need to provide purchase, sales and other stock records to support a claim.

Examples include mysterious disappearance, certain stocktaking shortages, invalid payments, goods held solely for safe custody and certain damage while property is being worked on. Other exclusions also apply.

Marsh can also arrange other insurance solutions that may be relevant, including business interruption, commercial property, goods-in-transit, cyber, management liability, professional indemnity and public liability insurance.

Forms and documents

Jewellers insurance articles and resources

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Public liability insurance solutions for jewellers

15/09/2026

Learn how public liability and Jewellers Block insurance may apply when customers leave jewellery for repair, including key policy conditions and exclusions.
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Cyber insurance solutions for jewellers

15/09/2026

Learn how cyber risk can affect jewellers’ POS systems, customer and payment data, and where cyber insurance may help with response, recovery and related costs.
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Under-insurance risk for jewellers

15/09/2026

Learn how jewellers can review stock values, policy limits and records to help manage under-insurance risk, with a practical stock review checklist.
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Ram-raid prevention checklist for jewellers

15/09/2026

Review practical steps for jewellers to help reduce ram-raid and smash-and-grab risk, including shopfront security, alarms, stock storage and insurance in Australia.

This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238 983) (“Marsh”) and Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) (“MAI”) arrange the general insurance (i.e. not the Discretionary Trust Arrangement) and are not the insurer.

Discretionary Trust Arrangements are issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417 964) (“JGS”). Any advice or dealing in relation to a Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by a Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements (PDSs) available from the relevant product issuer. Target Market Determinations (TMDs) are available here.

Marsh, MAI, JGS and JLT are all businesses of the Marsh group.

LCPA 26/3560