WELCOME TO Jewelers Mutual Insurance Company RETAILERS MANUFACTURERS WHOLESALERS CUSTOM DESIGNERS REPAIR BUSINESSES APPRAISERS PERSONAL JEWELRY INSURANCE
Jewelers Mutual for your business Jewelers Mutual Insurance Company is the right choice for your business. For more than 100 years, we have been a partner in protecting inventories and businesses in all segments of the jewelry industry. You can count on us for customized coverages, security education and advice, and world-class claim service. Learn more about us at JewelersMutual.com. Flexible and reliable insurance coverages Jewelers Mutual has been a partner in protecting the inventories and businesses of the jewelry industry for more than a century. We offer a broad range of coverages designed for all types of businesses in the jewelry industry. Whether you are a retailer, manufacturer, wholesaler, appraiser, designer, or bench jeweler, we have a policy for you backed by knowledge and expertise you can trust. We work hard to protect you, your inventory, and your business. Our core insurance coverages are the building blocks to protect your business. Jewelers Block Able to be customized for just about any jewelry business, this policy provides coverage for jewelry stock; related inventory, findings, raw materials and parts for manufacturing and repair; customers property; and property of others in the jewelry business. Jewelers Standard Presents a lower-cost option for small to mid-sized jewelry operations, covering jewelry stock, findings, raw materials and parts for manufacturing and repair; customers property; and property of others in the jewelry business. Businessowners Policy Affords coverage for property (other than jewelry stock) and business liability. A package policy integrates property and liability coverages into a single policy that avoids coverage gaps and overlaps. Our package policies provide you a cost savings, as well as the convenience of one bill and one renewal. Our Businessowners policy can be packaged with either our Jewelers Block or Jewelers Standard policy offerings. Commercial Umbrella Increases liability coverages for protection against catastrophic liability losses. The descriptions above are a brief summary of coverage. The language is not part of the insurance policy and is not a substitute for the actual policy language. Due to regulatory restrictions, not all coverages or policies are available in all states. The best value for you Our goal is to provide you with insurance that is affordable, stable, and dependable. We price our insurance products to pay claims and business expenses and to assure our long-term ability to meet your insurance needs. Because we are a mutual company, our customers are members. We don t have stockholders who divide profits among themselves. Instead, we re-invest our profits so we can offer competitive rates and enhanced services and coverages. We are a licensed and admitted carrier, which means we file insurance rates with all state insurance departments. Audits by independent auditors and insurance departments verify that we pay claims fairly and confirm that our business is financially sound. Financial strength you can count on Getting an A+ rating on your financial report card is something to shout about! We have earned 28 consecutive A+ Superior ratings from A.M. Best. Our A.M. Best rating attests to our financial strength and security. To manage the risk of catastrophic losses hurricanes, for example we protect our policyholders and assets through a diversified reinsurance program.
Jewelry insurance for your customers Your customers can protect their personal jewelry with repair and replacement coverage from Jewelers Mutual. Unlike the common restrictions that may be included in other insurance carriers policies, Jewelers Mutual s coverage gives consumers the flexibility to work directly with their preferred jeweler, not an insurance replacement company. Strengthen your customer relationships by mentioning insurance from Jewelers Mutual as an option to consider when protecting their jewelry purchase. We send insured customers back to you for ongoing care, including cleanings, inspections and evaluations, plus pay you directly for any claim-related repair and replacement work. Call us to learn more about the advantages of insurance for your customers and our rewarding programs that help you deliver unparalleled service with ease. Ask about our free consumer marketing materials and Jeweler Guide today. Jewelers are not licensed agents and cannot sell or offer advice about insurance coverage. We are your jewelry insurance specialist Jewelers Mutual is the only insurance company dedicated to protecting the jewelry industry. We re licensed to do business in both the U.S. and Canada. Founded by jewelers, we remain owned and governed by members of the jewelry industry. Knowledgeable staff available 24 hours a day You won t find any group of people who have more expertise in jewelry insurance and security than the people at Jewelers Mutual. Our staff is available to commercial policyholders 24 hours a day for emergencies and special needs. After business hours, our commercial lines underwriters are on call for emergencies to extend coverage, answer questions, and offer advice. Likewise, claim calls and inquiries are answered by a Jewelers Mutual claim professional. Our specially trained agents and brokers Jewelers Mutual is represented by independent agents and brokers in North America. Insurance agents and brokers representing Jewelers Mutual are knowledgeable about the jewelry industry, are committed to protecting all types of jewelry businesses, and understand your unique insurance needs. Commitment to paying claims Whether you contact your agent, broker, or our claim staff, we begin to settle your claim immediately. Our experienced claim staff and external claim partners provide exceptional service to help settle claims promptly. Your security resource We believe that preventing losses is not only possible but also essential to your success and ours. We have an extensive risk management program that includes: Free membership to the Jewelers Security Alliance (JSA) for all eligible jeweler policyholders. JSA serves as the security watchdog for the U.S. jewelry industry, coordinating among law enforcement agencies and lawmakers to enhance the prevention of jewelry crime and the apprehension of perpetrators. JSA members receive a wealth of online and print resources to help them mitigate jewelry-crime risks. We pay the annual membership fees. Access to JM University at JewelersMutual.com, our online campus that offers a diverse curriculum to help you learn more about security, inventory record keeping, and disaster planning. The training tools include online resources, printed materials, and DVDs. Security presentations at your business, and at state, regional, and national trade shows and conventions. Security advice about safes, security systems, and other risk management topics.
Jewelers Mutual s Member Advantages As a Jewelers Mutual Insurance Company policyholder, you gain not only Jewelers Mutual s world-class insurance protection for your business but also full access to Member Advantages designed to help you continue running a safe, secure, and successful business. Members may reach a qualified, decision-making underwriter or claims examiner 24/7/52, including holidays, when an emergency arises. Founded by jewelers for jewelers in 1913, Jewelers Mutual Insurance Company is deeply ingrained in the jewelry industry. More than a resource to the industry, we are a part of its culture, a member of the family. Our jewelry industry association partnerships, exclusive endorsements, and engagement in the industry s causes and activities demonstrate our devotion. Jewelers Mutual offers a vast array of information and services to help policyholders prevent crime, avoid risk, enhance security, and mitigate damage when things go wrong. This world-class suite of offerings includes training programs, publications, ongoing reporting, expert advice, on-site evaluations, and emergency support. Jewelers Mutual s agents and underwriters are eager to compare our insurance policies with those offered by competitors a line-by-line evaluation of coverage terms to identify the best protection for your business. Jewelers Mutual provides a solution for protecting your customers purchases that brings those customers back to you for repairs or replacements when their jewelry becomes lost, damaged, or stolen. Jewelers Mutual pays you for your insured customers claims-related repair or replacement work. We also offer special programs that make it easy (and rewarding) to mention insurance from Jewelers Mutual for your customers personal jewelry. Jewelers are not licensed agents and cannot sell or offer advice about insurance coverage. Jewelers Mutual provides the jewelry industry s preeminent online training resource to equip you with information, tips, and techniques to help you avoid crime and other losses. When it comes to jewelry insurance, no other insurance company makes this much expertise available to its customers. Whether you need advice on insurance coverages, crime deterrence, safety and security equipment, employer liabilities, business-continuity planning, best record keeping practices, shipping and logistics, or even gemology, we have well-credentialed experts on staff to serve you. As a Jewelers Mutual member, you have access to not only our expert advisors but also a broad array of support materials to have at your fingertips. Jewelers Mutual is your resource library of information for running a well-protected and successful jewelry business. Jewelers Mutual s agents provide unrivaled jewelers-block expertise and understanding of the jewelry industry. They customize the best insurance solutions for your business s needs.
Jewelers Mutual s commitment to the jewelry industry is reflected in our financial contributions, ongoing support, and partnerships with key industry organizations. Jewelers Mutual is proud to have earned the endorsement of the American Gem Society (AGS), Jewelers of America (JA) and Manufacturing Jewelers and Suppliers of America (MJSA) for our commercial and personal jewelry insurance products. Jewelers Mutual engages with and invests in the jewelry industry it protects. Benefits of Jewelers Security Alliance membership Membership paid by Jewelers Mutual for all eligible policyholders As a security measure for you, Jewelers Mutual enrolls all eligible commercial policyholders as members of the Jewelers Security Alliance (JSA). JSA was founded in 1883 as a non-profit crime prevention association serving the jewelry industry. JSA is headquartered in New York City and is staffed by individuals with jewelry crime prevention and law enforcement expertise. Ten primary functions of JSA are: 1 2 3 4 5 6 7 Coordinates efforts with federal, state, and local law enforcement agencies to prevent crime and apprehend criminals who prey on those in the jewelry industry. JSA coordinates an industry-wide lobbying effort to increase law enforcement efforts across the country, particularly for crimes against traveling jewelry salespeople. Issues WANTED bulletins, a lerts, and newsletters warning members of specific crimes and individual predators. Publishes an annual report about crime against the jewelry industry in the United States. The report contains a wealth of statistics and crime-prevention tips. Offers technical guidance and expertise about alarm devices and systems, safes, vaults, locks, cameras, and other crime-prevention hardware, and publishes the Directory of Security Products and Services for the jewelry industry. Distributes a comprehensive manual of jewelry security. Offers rewards of up to $1,000 for information when a member suffers a crime loss. Provides free access to JSA s crime-prevention website: www.jewelerssecurity.org. 8 9 10 Maintains an active lecture and training schedule that benefits member companies and regularly presents seminars at conventions, trade shows, and other jewelry industry events. Maintains an Internal Theft Telephone Hotline, through which employees can anonymously report instances of theft and crime by other employees. Maintains a database that aggregates information about burglaries, robberies, and thefts against the jewelry industry, as well as evidence on traveling salespersons losses, schemes, swindles, and other types of criminal activities affecting the industry. This database is an essential intelligence tool for FBI and law enforcement. It also assists in convincing government officials and lawmakers about the need for greater emphasis on reducing crime against the jewelry industry.
24 Jewelers Park Drive P.O. Box 468 Neenah, Wisconsin 54957-0468 USA 800-558-6411 Fax: 920-725-9401 YourInsuranceExpert@jminsure.com JewelersMutual.com 2015 Jewelers Mutual Insurance Company CC11 42015TEU