Business Insurance claims

This may be a tough time, but you're not alone. We're here to help you get back on your feet—fast.

Start your claim today

Call 800-558-6411 or email us at claims@jminsure.com

What to know before filing a claim

File your claim as soon as possible, even if you don’t have all the details yet.

You can update your claims representative as more information becomes available.

If a crime occurred, be sure to file a police report.

Most insurance policies require it, and it helps law enforcement return recovered items to the rightful owner.

For stolen items, gather your proof of ownership.

This can include receipts, appraisals, owner’s manuals, product packaging, or photos from your business.

1

Start your claim

Contact your local agent or Jewelers Mutual directly: call 800-558-6411 or email claims@jminsure.com. We’ll talk with you about what happened and ask you to include photos if it’s safe to do so.

2

Prevent further damage

Take action to prevent the damage from escalating. Reasonable costs incurred to stop further damage are usually covered, so be sure to keep your receipts.

3

Meet your claims expert

A claims expert will contact you to collect any necessary details and assist you in finalizing your claim. If possible, please prepare a room-by-room inventory of the damages, including manufacturer names, model numbers, and purchase dates.

4

Repairs with your trusted contractor

Your claims representative will work closely with your preferred vendor or contractor to ensure a smooth and efficient repair experience.

5

Pay your deductible

If your policy includes a deductible, you’ll be responsible for paying that amount first, usually directly to your contractor. If you have a mortgage or lien holder on your policy, their name will be included on the payment check, and we can’t remove them. Please keep in mind that your deductible will be subtracted from the total loss before we send your settlement.

6

Back to business

Once your claim is finalized, you’re free to go back to business as usual. We’d love to hear about your claims experience, so feel free to share your feedback for us by emailing claims@jminsure.com. This is also the perfect time to review or update your policy if needed. If you'd like to adjust your deductible, just contact your agent.

150+ Years

of combined experience on our claims team, consistently achieving a world-class Net Promoter Score (NPS)* for over a decade.

4.98 out of 5-Stars

Claims process rated by jewelers in a Q1 2020 survey by Market Research and Insights.

$15/mo