Jewellery Maker Insurance

Public & product liability insurance for jewellery makers

The jewellery makers industry in Australia includes a wide range of hobbyists, creatives, and fine jewellers. Whatever type of bling you’re designing, jewellery manufacturer’s insurance is extremely important in securing your wellbeing. Our brokers at AUZi Insurance have completed extensive research to understand exactly what it takes to be a manufacturer. With this, we have designed a cost-effective liability policy that covers your jewellery business whether you’re working from home or a studio. If you are retailing jewellery rather than manufacturing, you may fit under our Jewellery Retailing Policy.

Why choose AUZi's jewellery making insurance?

The benefits

Your choices

Why do jewellery makers need insurance?

Whether you’re just starting out as a jewellery maker, already selling jewellery on Etsy, a jewellery making veteran, or you’re simply just interested in the craft – having the right cover to protect you and your livelihood is crucial.

AUZi has designed a liability policy specifically for jewellery makers, which can protect you against claims for injury and/or damage caused by you or your products. This type of insurance is usually required if you wish to sell your products to the public. This jewellery makers insurance extends to cover sales made from your place of business, internet sales (within Australia) and at markets.

You might find yourself thinking of leaving Small Business Insurance to the side while you learn and establish your business, but getting the right cover from day dot will give you peace of mind knowing that you can confidently sell your products while also learning and developing your skills.

What does insurance for jewellery manufacturers include?

Public liability insurance

Public liability insurance is designed to protect you and your business against personal injury or property damage to third parties arising from your business activities.

Product liability insurance

Product liability insurance is designed to protect you against personal injury or property damage to third parties arising from the products you have
sold.

Jewellery makers insurance pricing

3 month cover

from $179.52

6 month cover

from $290.62

Annual cover

from $440

Selling jewellery but not manufacturing or importing it? Check our our jewellery retail policy.

Why do jewellery makers need public liability insurance?

Public liability insurance is designed to protect you against personal injury or property damage to third parties that arise from your activities as a jewellery maker and/or importer.

Claim examples

You’re selling at a market, and a customer trips on the table cloth you’ve used to help display your gorgeous necklaces. They hurt themselves on the way down and hold you liable.
You’re selling from your shop front and an A-frame sign that you use blows into a customer’s parked car. This causes property damage to their vehicle, and they hold you accountable. In these two instances, your jewellery makers public liability insurance will help cover the costs.

Why do jewellery makers need product liability insurance?

Product liability insurance is designed to protect you against personal injury and property damage to third parties that arise from the products you sell as a jewellery manufacturer.

Claim examples

You sell a beautiful set of your silver rings to a customer. Somehow, the set reacts with their skin, causing rashes around their fingers. They need time off work while they recover, and hold you accountable.
A customer accidentally cuts themselves on a jagged part of your Jewellery. This causes bodily injury, and they hold you accountable. In these two instances, your product liability insurance for jewellery makers will help cover the costs.

FAQs from jewellery makers

Can permanent jewellery be included?

Yes, you can include permanent jewellery in your policy. During the application form you will be asked if you require this additional coverage.

However, there are some hoops to jump through and essential safety requirements:

Safety gear: When applying permanent jewellery, you’ll need to adhere to safety guidelines, including the use of safety goggles during the application process for both yourself and the customer.
Skin protection: To safeguard your customers, a leather patch must be placed between their skin and the application area.
Australian-sourced equipment: All equipment used for permanent jewellery services must be sourced from within Australia.
Regular maintenance: Equipment used in the application process must be regularly maintained to ensure it functions properly.

By meeting these safety requirements, you can enjoy comprehensive coverage for your permanent jewellery business. Feel free to contact us if you have any further questions.

Are jewellery repairs covered under this policy?

Yes, of course. Jewellery repairs are an expected activity for a jeweller (plus, in many cases your bread and butter 😏)

When am I deemed a jewellery manufacturer?

The definition of manufacturing is the process of converting raw materials, components, or parts into finished goods. For insurance purposes you are deemed to be the jewellery maker/manufacturer when you create or modify pieces of jewellery. For example, if you are purchasing pre-made jewellery for retail, if you make any modifications to that piece (engraving, relabelling, repackaging etc), you are deemed the manufacturer.

Also, if you’re directly importing your jewellery from overseas, you are deemed the manufacturer under Australian Law.

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