Jewellery Making Insurance
Specialist cover for Jewellery Makers, Crafters and other artisans from £3.71 a month*.
- Public Liability up to £5m
- Join over 150,000 customers**
- Flexible Payment Plans – 0% APR
From £3.71* a month
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What does jewellery making insurance cover?
Our insurance for jewellery makers provides essential liability cover suitable for creators selling handmade jewellery online or at events and markets. We offer affordable options with flexible additional cover, allowing you to select the right protection based on your jewellery-making activities.
Our jewellery makers insurance is specifically created to address risks associated with designing, creating, and selling jewellery. This policy meets the particular requirements of jewellery makers and ensures adequate protection.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Product Liability
Equipment
Stock
Employers' Liability
Public Liability
- Up to £5 million available.
- Protection from claims by a third-party (EG member of the public) who sustains injuries or has their property damaged as a result of your actions.
Product Liability
- Up to £5 million available.
- Protection should you receive any claims arising from any products and goods supplied by you to other parties, who may then sustain an injury or damage to their own property.
EquipmentÂ
- Up to £250 covered as standard
- Increase up to £10,000 worth of cover
- If your craft tools are lost, damaged or stolen, your equipment can be covered up to the value you select.
Stock Cover
- Up to £250 covered as standard
- Increase up to £3000 worth of cover
- If your stock is lost, damaged or stolen, it can be covered up to the value you select.
Employers’ Liability
- Up to £10 million available.
- Protection from claims against employee incidents, if that employee suffers a work-related injury and brings a claim against you.
- If you employ any staff members, Employers’ Liability is a legal requirement.
- Upcycling projects. This policy is intended for crafters producing or building products from scratch.
- Export of your products to the US and/or Canada, unless agreed with ourselves.
- Theft of your Equipment and/or Stock from unattended vehicles.
- Heat work away from your premises, unless when using hot air guns, soldering irons or engraving tools and only if this has been agreed by ourselves.
- Storing your equipment and/or stock at more than two different premises, one of which that needs to be your correspondence address.
For information on exclusions in your cover please refer to policy documentation.
Why do jewellery makers need insurance?
Jewellery customers expect high quality and safety in the products they purchase. Accidents or unforeseen circumstances can happen, making proper insurance essential to protect your business financially.
Typically you will need an annual crafting policy, but for those involved in short-term or one-off events, such as a craft fair, you may find short term cover more suitable, if this sounds like you, ensure you have the appropriate Stallholder Insurance in place.
For annual policies, here are a few scenarios to help explain why you need jewellery makers insurance:
Protection from claims due to public injury.
If a customer visits your jewellery stall at a third party organised craft fair, to potentially purchase some of your work and in the process trips over your stall or some of your stock and injures themselves, you could be liable to a substantial claim.
Public liability insurance for crafters can provide protection from these incidents.
An item you’ve made breaks and injures a customer.
Imagine an item you’ve crafted breaks and causes injury to a customer. In such cases, the customer may bring a claim against you.
Product liability insurance tailored for crafts can cover incidents related to your products, safeguarding you from potential legal consequences.
Protection if your jewellery tools are damaged.
Depending on your craft, you may have invested in expensive tools and equipment, which could potentially become damaged or lost. For instance, your stock could become damaged in storage.
Having equipment cover can avoid costly repairs and replacements.
An event or venue asks for public liability to sell your crafts.
An organise event or venue that you sell your crafts at, may expect proof of public liability for events as a minimum before you are able to commit to a stall.
Our experts explain why...
“Whether you sell jewellery from home, at local markets, or through online channels, having the right insurance is essential. Jewellery makers insurance covers potential injury or damage claims arising from your products or business activities. Without appropriate cover, you risk severe financial impact from claims or accidents. Our insurance for jewellery makers lets you focus on creating jewellery and growing your business, free from worry about unexpected legal claims. Proper cover is essential to protect your jewellery-making business.”
Chris Trotman, Protectivity Underwriting Manager
How much does jewellery insurance cost?
Every craft business will be unique so, the cost of jewellery makers insurance can vary depending on what you offer and the level of cover you need. For example, if you use specialist equipment to create your items you may need to increase the value of cover.
At Protectivity policies start at just £3.71* a month.
Prices from
£3.71* a month
Explainer quote
Policy cost
£3.71* a month
Policy type
Crafters
Duration
Annual
Turnover
£50,000
Public Liability
£1,000,000
Product Liability
£1,000,000
Equipment
£250
Stock
£250
This example is based on a real quote from our website on 12/5/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
What types of jewellery products are covered?
Our policy covers various handmade jewellery types, including:
Crafts covered
Our jewellery makers insurance policy covers several different types of jewellery types.
- Necklaces and pendants
- Rings and wedding bands
- Bracelets and cuffs
- Earrings
- Brooches and pins
- Beaded jewellery
- Metalwork jewellery
- Silver and goldsmith products
If your specific jewellery product type isn’t listed, please contact us directly to confirm coverage.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your jewellery making insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Is there cover available for loss of income if I’m unable to make jewellery due to injury?
We don’t offer personal accident cover on this policy so there is no cover available for loss of income if you’re unable to make jewellery due to injury.
What proof of value documentation should I keep for insurance purposes?
The documents you should keep for insurance purposes are formal valuation reports, purchase receipts, and any certificates of authenticity.
Does my insurance cover jewellery displays and exhibition equipment?
The policy will cover your jewellery if you use the products for display at a craft market. This will be covered under our stock over.
Am I covered if I sell through multiple channels (online, in-person, wholesale)?
Yes, our crafters policy covers you for selling your handmade products online, in person and wholesale.
What insurance do I need if I work with precious or semi-precious stones?
Our crafters policy covers for stone crafts. This policy would cover you for selling products that are made from precious or semi-precious stones.
Does my policy cover me if I use subcontractors or assistants?
Employers’ liability is required if you have paid or unpaid staff. This benefit covers you against claims from employees and labour-only subcontractors who allege that you are negligible for bodily injury they may suffer whilst in the course of their employment with you.
Do I need specific insurance for selling jewellery internationally?
You would require a separate policy with a different insurance company if you are selling your jewellery to the USA or Canada.
Is my jewellery covered while in transit to craft fairs or customers?
Yes, we can cover your stock in transit with yourself or with a courier.
Does my insurance cover materials and stock kept at home?
Yes, this is included under our stock cover.
What insurance do I need for hallmarked jewellery?
Our crafters insurance would cover for hallmarked jewellery as long as it’s not sold in the USA or Canada.
Does my policy cover me for teaching jewellery making workshops?
You would require a separate policy with a different insurance company that includes professional indemnity cover.
Do I need additional coverage for selling high-value pieces?
Whilst you may not require additional coverage, you may want to increase your additional stock cover if you need cover over £250 for your products. We have optional cover available up to £3,000 for this benefit. There is a single article limit of £500.
Are my specialist tools and equipment covered under the policy?
We can cover your specialist business equipment up to £250 at no extra cost. There is an option to upgrade your business equipment cover up to £10,000 for an additional premium. There is a single article limit of £500.
Does my insurance cover bespoke jewellery commissions?
We can cover for bespoke jewellery commissions if you are creating a unique product from scratch to meet a customer’s needs.
Am I covered if a customer has an allergic reaction to materials used in my jewellery?
Yes, Products liability covers claims if a customer is injured by one of your products.
What liability coverage do I need for handmade jewellery?
You are required to have public liability and products liability. Public liability covers claims for injuries to a third party or third party property damage caused by your business activities. Products liability covers claims if a customer is injured by one of your products.
Does my jewellery making insurance cover precious metals and gemstones?
We can cover for precious metals and gemstones as long as the products are not being sold in the USA and Canada.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 12/5/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data