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May 26
Be a Superhero for Your Personal Lines Clients

Most of your personal lines clients don't need you to be faster than a speeding bullet or leap tall buildings in a single bound. But they do need smart insurance protection, and there's one area in which they are particularly vulnerable: jewelry.

If you're protecting your clients' jewelry collections with their homeowners or renters insurance policies, you may be doing them a disservice—even if you've scheduled their most important pieces.

Here are 10 reasons a standalone jewelry insurance policy may provide more agile and powerful protection for your clients:

  1. Standalone policies may be less expensive, with a $50 minimum premium.
  2. Standalone jewelry coverage protects HO and renters rates and coverages.
  3. Standalone jewelry policies offer low or zero deductibles.
  4. Many HO and renters carriers are not willing to write high-valued schedules.
  5. Adult children who live with parents should have coverage for their own jewelry.
  6. Insureds who are between homes—buying, selling or building—may experience unanticipated coverage gaps.
  7. HO and renters policies typically require listing both domestic partners as insureds.
  8. HO and renters policies may not include coverage for mysterious disappearance losses.
  9. HO and renters policies may have strict documentation requirements for replacing custom pieces.
  10. HO and renters policies may not extend coverage for losses while traveling out of the country.

Ready to deploy your secret insurance power, otherwise known as RLI Jewelry Insurance?

Thousands of Big “I” members value RLI’s personal umbrella program. Now, see how well the jewelry insurance program can also provide value-added service your clients. RLI is ready to help with competitive pricing, convenient online quotes, direct billing and comprehensive coverage with no minimum policy limits.

Log in to Big “I” Markets or contact Mike Maley at RLI to learn more about providing quick jewelry insurance quotes and earning competitive jewelry insurance commissions.  


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​127 South Peyton Street
Alexandria VA 22314
​phone: 800.221.7917
fax: 703.683.7556

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