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Commercial Umbrella Insurance

Extra protection for your business

Get insured

What is it
Why you need it
When to consider
Get insured

What is Umbrella Insurance?

Umbrella Insurance provides extra protection beyond your business owners policy (BOP). It kicks in when a claim exceeds your base policy liability limits, helping safeguard your business from large, unexpected lawsuits or losses—giving you added security and peace of mind.

Why jewelers need Umbrella Insurance

Lawsuits can be costly

If a claim surpasses your liability limits, umbrella coverage helps protect your assets.

Unexpected events happen

From major accidents to unforeseen liabilities, umbrella insurance provides additional financial security.

Protect your business’ longevity

Without additional coverage, a single large claim could put your business at grave financial risk. Umbrella insurance helps ensure your business survives the unexpected.

Peace of mind

You know you’re covered, no matter what challenges might surface.

When should jewelers consider Umbrella Insurance?

You manage high-value inventory, equipment, and merchandise.

You host events like trunk shows or trade shows with large crowds.

You have significant customer interactions, increasing your liability exposure.

You're concerned about slip-and-fall incidents or other accidents happening on your premises.

1 / 1

Find a trusted agent

With experts across the U.S. and Canada, we're ready to help you identify the coverage that best fits your business needs.

First Name*

Last Name*

Email*

Name of Business*

Phone*

Zip/Postal Code*

Preferred Contact Method*

Type of Business*

Need Insurance By*

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Already a policyholder and have questions?

Send us an email or give us a call at 800-339-9124 and we’ll connect you with your agent.

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Insurance coverage is subject to underwriting review and approval, and to the actual policy terms and conditions. Any descriptions are a brief summary of coverage and are not part of any policies, nor a substitute for the actual policy language. Coverage options may vary by state and by product. Exclusions and limitations may apply.

Insurance coverage is offered by a member insurer of the Jewelers Mutual Group, either Jewelers Mutual Insurance Company, SI (a stock insurer) or JM Specialty Insurance Company, or otherwise via other carriers through JM Insurance Agency Partners, Inc. Policyholders of Jewelers Mutual Insurance Company, SI and JM Specialty Insurance Company are members of Jewelers Mutual Holding Company.

$15/mo