Products & Covers

Jewellery & Watches.

Specialist cover for high-value personal items, collections, and individual pieces of significant worth.

Benefits

Insurance Arranged Around the Provenance, Value, and Vulnerability of Each Piece.

Jewellery, and watches present specific challenges when it comes to insurance - values fluctuate with the market, items are carried and worn in a wide variety of contexts, and the consequences of loss, damage, or theft can be considerable both financially and personally. We arrange cover through specialist insurers who understand the provenance, valuation, and vulnerability of individual pieces and wider collections. Policies can be arranged on an agreed-value basis, covering items at home, in transit, on loan, or being worn or used worldwide, with access to specialist restorers and replacement services in the event of a claim.

Typical cover can include:

Agreed-Value cover

All-Risks protection on an agreed-value basis for individual items and collections, with no underinsurance penalty.

SG - Governance and Framework Development@2x

Worldwide cover

Protection wherever items are worn, carried, or transported - at home and internationally.

UK - Owners of multiple properties, vehicles, and bespoke collections

Loans, Storage, and Auction

Cover for items placed in storage, loaned to others, or consigned to auction houses.

UK - Private equity and venture capital firms

Accidental Damage, Loss, and Theft

Comprehensive protection against the full range of physical and financial loss scenarios.

Newly Acquired Items

Automatic cover for new purchases up to an agreed limit, subject to policy terms and notification requirements.

Specialist Restoration and Replacement

Access to specialist restorers, independent valuation services, and bespoke replacement sourcing following a claim.

SG - Financial services, fintech, and payment-driven businesses

Pairs and Sets

Cover for the diminution in value of a remaining item where its pair or matching set has been lost or damaged.

Legal Expenses and Emergency Assistance

Legal Expenses cover and access to emergency assistance services at each property location.

We’ve got you covered

Related products and covers

Our approach is tailored to each business we work with. Typical covers we look at for hospitality businesses include:

Speak to a Specialist

Property All Risk

Protection for buildings, contents, fixtures, fittings, and operational assets.

Public and Products Liability

Cover for guest injury, illness, or third-party property damage.

Business Interruption

Protection for lost revenue following insured damage or disruption.

Employers’ Liability/Workers Injury Compensation

Cover for employee injury or illness arising from their work.

Cyber insurance

Protection against cyberattacks, data breaches, payment fraud, and system outages.

Employment Practices Liability

Protection against claims relating to workplace disputes, discrimination, or misconduct.

Specialist Restaurant and Hotel Programmes

Including insurance for hotels and tailored private insurance coverage for restaurants operating single or multiple locations.

All covers are subject to individual insurer terms, conditions, and underwriting criteria. The above represents a summary of the types of cover that may be available and does not constitute a policy document or insurance advice.