Jewelry Insurance
   Manual

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Table of Contents

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Jewelry Insurance Manual

Table of Contents

Insuring Jewelry
   Insurance Contract
   Insured
   Policy Period
   Where Insured
   Property in Safes or Vaults
   Property Insured
   Perils Insured
   Perils Excluded
   Valuation
   Coinsurance
   Deductible
   Additionally Acquired Property
   Pair or Set Clause
   Loss Settlement and Payment Options
   Protection of Property
   Other Insurance
   Other Clauses
   Computing Premiums
   Jewelry Rates and Minimum Premiums
   Vault Rates
   Deductible Rating Credit
   Minimum Premiums
   Additions and Cancellations
   Submitting Jewelry Floater Business – Use of Application
   Schedule of Items
   Item Description
   Gemological Institute of America (GIA)
   Verification of Values

Jewelry Appraisals
   The Appraisal Process
   Appraisal Credentials
   Jewelry Industry Leaders Talk About Appraisals
   Appraisal Values: Fact or Fiction
   Finding Good Appraisers — The Solution
   A Guide for Underwriters and Adjusters
   Who is Qualified to Appraise?
   What Information Should be Included?
   Gemstone Grading System
   What Grading System Should Be Used For Diamonds?
   What Grading System Should Be Used For Colored Gemstones?
   Should Appraisals Be Accepted With Incomplete
        or Split Grades (i.e. H-I Color)?
   When Should an Appraisal Be Updated?
   Where Should An Appraisal Be Prepared?
   Why Have An Appraisal?
   Are There Items to Look for in the Fine Print of Appraisals?
   Appraisal Evaluation Suggestions
   Agency Underwriting and Policy Issuance
   Claims

Jewelry Information
   Precious Metals as Used in Jewelry
   Weights & Measures
   Platinum
   Gold
   Silver
   Precious Metal Jewelry Manufacturing
   Gemstones
   Phenomena
   Identification
   Synthetics and Simulants
   Gemstone Toughness
   Gemstone Treatment
   Gem Lab
   Gem Cutting
   Gem Setting
   Diamond – the Four Cs
   Cut – The Misunderstood “C”
   Color
   Clarity
   Carat Weight – the 4th “C”
   Diamond Grading
   The Anatomy of a GIA Diamond Report
   Diamond Certificate vs. Appraisal
   American Cut Standard for Round Brilliant Diamond
   Colored Stone Grading
   Emerald
   Ruby
   Sapphire
   Other Colored Gems
   Watches

Appendices
   Appendix A – ACORD forms
   Appendix B – Jewelry Inventory and Sales Classification Manual
   Appendix C – Gemstone Information Manual
   Appendix D – Underwriting and Claims Resources
   Appendix E – Glossaries
   Appendix F – Jewelry Insurance Issues Newsletter

 

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