Think of your main insurance policies—like general liability or commercial auto—as the first line of defense for your jewelry business. They're designed to handle the most common threats you face. But what happens when a claim is so big, so catastrophic, that it blows right past those limits? That's where
If you’re a distributor in the jewelry business, grabbing an off-the-shelf insurance policy is one of the biggest risks you can take. Standard business insurance just isn't built for the realities of your world. It leaves dangerous, often costly, gaps in your protection because it fails to account for one
Excess liability insurance is a second line of defense that only comes into play after your primary policy, like a Jewelers Block policy, is completely tapped out from a major claim. Think of it as a critical financial backstop for your jewelry business, standing between a catastrophic lawsuit and your
