Do You Need Permanent Jewelry Insurance?

Hey friends — this might seem like an odd topic, but let’s talk about something most of us don’t know much about (even though we probably should). We’ve heard this question a few times now, so we decided it’s time to break it down: “Do I need permanent jewelry insurance?”

The short answer? Yes — but it’s probably not what you’re thinking.

There’s no magical insurance policy called “Permanent Jewelry Insurance” that you can just grab online. (We wish it were that easy!) What most artists actually need is a smart combo of general business insurance policies that protect you while you’re working, popping up at markets, or carrying around all those expensive tools and chains.

We’ll break down what you need and why — so you can make the best decision for your business.

1. General Liability Insurance

This one’s a must-have. For any small business — but especially for those of us in permanent jewelry — general liability protects you in case a client gets hurt. Think: a  burn, a slip at your booth, or even damage to someone’s property.

A lot of vendor events, malls, and pop-up markets will require this kind of insurance before you can even set up shop.

“I thought I was just doing bracelets and necklaces…”

Right? But even the tiniest mistake can turn into a big issue. Having general liability insurance gives you that peace of mind when working face-to-face with clients.

We’re not saying you're going to mess up (we know you’re amazing!). But we do want you to be covered — so if anything does happen, you're taken care of.

2. Professional Liability Insurance

Ever worry you might weld something wrong — or that a customer could claim you did? That’s where Professional Liability Insurance (sometimes called E&O) comes in.

This type of insurance helps cover you if someone says your services caused damage — like a faulty weld, an allergic reaction, or another mistake. If you’re mobile or new to permanent jewelry, this is a smart layer of protection. It covers things that general liability doesn’t.

3. Business Property or Equipment Insurance

You know that Orion welder you love? Your display chains, charms, tools, setup gear? If any of that gets stolen, lost, or damaged say at a pop-up or while commuting this type of insurance steps in to help.

You can usually bundle it into your overall policy, especially if you’re running things from your home studio or traveling for appointments. It’s super important if you’ve invested a few thousand dollars in tools (which, let’s be honest... we all probably have!).

Real Talk: What Insurance Isn’t

⚠️ There’s no such thing as a "permanent jewelry insurance” category. What you’re getting is a general small business policy that fits what we do.

Some companies throw around the term “permanent jewelry insurance” because it sounds good — but when you look closer, it’s just general liability and professional liability with a few extra bells and whistles. Don’t get confused by the marketing.

 

So, What Should You Actually Do?

If you’re welding on clients, attending markets, or handling expensive tools and chains, here’s your checklist:

 ✅ Get a General Liability policy (required by most pop-up events)
 ✅ Add Professional Liability for things that aren't covered by general
 ✅ Consider Property or Equipment coverage if you travel or carry inventory
 ✅ Ask for a Certificate of Insurance (COI) with your business name on it
 ✅ Shop around for quotes — many start around $650–$900/year

Final Thoughts

We know insurance isn’t the most exciting part of running or starting a permanent jewelry biz — but it’s one of the smartest. Even just having basic coverage can protect your business, your tools, and your peace of mind.

So while there’s no one-size-fits-all permanent jewelry insurance plan, getting a combo of general liability, professional liability, and equipment coverage is the best move you can make.