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These establishments specialize in repairing and cleaning watches, clocks and jewelry that have been manufactured and purchased elsewhere. This includes the repair of small watches, wall clocks and Grandfather clocks; plus the repair of fine jewelry such as necklaces, earrings, bracelets and rings. They also replace watch, clock and jewelry parts.

General Liability Insurance for Watch, Clock & Jewelry Repair Services – Customers of watch, clock, and jewelry repair services may slip, trip, or fall if the premises is not well maintained. Entryways should be free of any hazards and door thresholds should provide a smooth transition into the repair shop. Floor coverings inside should be free of defects and countertops should be sturdy and free of any sharp corners or protruding nails. “Employees Only” signs should be in place to separate customer areas from work areas.

Workers’ Compensation Insurance for Watch, Clock & Jewelry Repair Services – Watch, clock, and jewelry repairmen could suffer from repetitive motion injuries or eyestrain. Periodic breaks will help prevent such injuries. Back injuries could occur when lifting heavy items such as Grandfather clocks. Employees should be trained on the job and proper lifting techniques should be enforced.

Business Auto Insurance for Watch, Clock & Jewelry Repair Services – Customers should primarily come to the shop for repair services. Employees of watch, clock, and jewelry repair services should only have to drive occasionally for errands such as the daily bank deposit, post office, and supply store. A non-owned exposure will exist in this case and MVRs should be run for all drivers for acceptability.

Property Insurance for Watch, Clock & Jewelry Repair Services – Neighboring businesses will impact the fire risks of watch, clock, and jewelry repair services, especially if located in a strip mall. Firewalls, smoke detectors and alarms should be in place to reduce fire risks. Theft may be a concern due to the value of the items repaired. Burglary risks can be reduced by the use of double cylinder deadbolt locks, bars around low visibility windows, a central station alarm system, and adequate outside lighting. Inland Marine coverage may be necessary to cover the property of others.

Crime Insurance for Watch, Clock & Jewelry Repair Services – Dishonest employees of watch, clock, and jewelry repair services may steal money or valuable items from the shop. Employees should be pre-screened with detailed applications and reference checks. Internal audits should also be conducted frequently and irregularly in order to reduce employee theft. Using the same risk management controls that were referenced in the Property Insurance section can prevent burglary risks of money and securities.