News & Press: Member News

Shipping Jewelry: When Does Insurance Coverage Begin?

Tuesday, April 9, 2019  
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By Jewelers Mutual Insurance Group

Filling out a shipping form

You’ve closed a sale with a long-distance customer and already have insurance for shipping jewelry in place. Way to go!

However, you may not be covered if anything happens to your shipment.

Just because coverage was purchased (whether it's on your jewelers block policy or through a third-party) doesn't mean it's always in effect.

Keep the following in mind so you know when insurance for shipping jewelry begins and how to keep your shipment secure.


Coverage begins with a scan

Every courier has a scanner and should scan each package they collect.

A record is created when the first scan takes place, which essentially triggers coverage. While the courier is unlikely to forget to scan your package, they’re human just like jewelers.

You’re both busy and while it feels good to have a trustworthy courier who can come and do a pickup without interrupting you, it’s worth watching them scan the package.

If you’re worried about spending a few precious seconds to take this extra step, don’t worry: there are other ways to save time shipping jewelry.


Coverage ends with a scan

Any scans in between the first and last scan are based on the service offered by the carrier (learn about different USPS shipping options here).

While they’re nice to have for showing the progress of your package, they’re not essential components of insurance for shipping jewelry.

The final scan happens after the package has been delivered and that ends the coverage.

It’s important to note that not all deliveries are created equal. Make sure to request a signature when shipping and be careful that you’re signing for the correct shipment when receiving.

Here are some handy carrier reference guides:

It’s important to communicate with the other party involved so you know if multiple packages are being sent and who the shipments will be coming from (since including “jewelry” anywhere on the label is risky).

Lastly, if you’re on the receiving end, examine the packages for any damage before signing off.

These measures help protect packages in addition to insurance for shipping jewelry.


“Dropboxes” don’t start coverage

Jewelers have lost packages in the past because they used a dropbox and discovered that there wasn’t a scanned record of the package.

When hearing the term “dropbox,” it extends from the old, blue USPS contraptions on your downtown street corner to carrier hubs at department stores, grocers, and pharmacies.

While the carrier may do pick-ups there, you’re leaving your valuables unattended and hoping for a scan. If the package is lost and a scan never occurs, it’s considered “voluntary parting” and isn’t covered.

This also applies when shipping to a residential address, because having a doorman or someone else sign for the package will end coverage. Therefore, you should request a signature from the intended recipient only.


Get help with insurance for shipping jewelry

One day you may find yourself making a big sale that needs to be shipped and not having coverage in place.

Use JM Shipping Solution™ and make your life easier — you can buy insurance in batches and even sync your jewelers block insurance if you’re insured with Jewelers Mutual.

Plus, you can compare side-by-side rate comparisons with all major carriers and their service types with exclusive discounts built in.

In case you haven’t heard, AGS members now have access to deeper shipping discounts through Jewelers Mutual’s JM Shipping Solution!

If you haven’t used this platform yet, it lets you compare options from different carriers and directly insure your packages, which adds to the other cost-saving tips and makes them easier to implement.

Visit to learn more and start lowering the cost of shipping jewelry today!


Mission Statement

The American Gem Society (AGS) is a nonprofit trade association of fine jewelry professionals dedicated to setting, maintaining and promoting the highest standards of ethical conduct and professional behavior through education, accreditation, recertification of its membership, gemological standards, and gemological research.

The Society is committed to providing educational products to inform and protect the consumer and to contributing to the betterment of the trade by creating industry standards to protect the jewelry-buying public and the fine jewelry industry as a whole.

AGS Laboratories, founded to support the AGS mission, is a nonprofit diamond grading laboratory with a mission of consumer protection. Adhering to the AGS Diamond Grading Standards, AGS Laboratories is dedicated to offering diamond grading reports that provide consistency and accuracy based on science.

American Gem Society