NAICS UNIVERSITY · Free research for insurance agents
Jewelry Retailers
NAICS 458310 · United States · 2022 edition
This industry comprises establishments primarily engaged in retailing one or more of the following items: (1) new jewelry (except costume jewelry); (2) new sterling and plated silverware; and (3) new watches and clocks. Also included are establishments retailing these new products in combination with lapidary work and/or repair services.
Start the review with jewelers stock / inland marine.
For Jewelry Retailers, the saved research highlights jewelers stock / inland marine, theft and burglary, customer-supplied property. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What is the total value of jewelry, watches, and gemstones kept on premises at any one time, and are there any individual pieces above a certain value threshold?
- What security measures are in place — monitored alarm, safe or vault rating, after-hours showcase locking, security cameras?
- Does the business accept customer items for repair, sizing, or appraisal, and approximately what value of customer property is typically on hand?
- Does the insured participate in trade shows, gem shows, or off-site sales events, and if so, how is merchandise transported and protected?
- Is there any consignment, estate, or antique jewelry inventory, and how is ownership and value documented?
- What is the prior loss history — any theft, burglary, or mysterious disappearance claims in the past five years?
- Are all employees subject to background checks, and what inventory controls are in place to deter employee dishonesty?
- Is the business located in a mall, strip center, or freestanding building, and what are the security features of the location?
Activities described by this code
Other activities to examine
- Retailing new costume jewelry: 458110 — Clothing and Clothing Accessories Retailers
- Retailing antique or used jewelry, silverware, and watches and clocks: 459510 — Used Merchandise Retailers
- Providing jewelry or watch and clock repair: 811490 — Other Personal and Household Goods Repair and Maintenance;
- Cutting and setting gem stones: 339910 — Jewelry and Silverware Manufacturing
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Jewelry retailers sell new fine jewelry, watches, clocks, and silverware directly to consumers from fixed retail locations. Operations typically involve showcase display of high-value inventory, customer consultation, sales transactions, and often on-site or send-out repair and sizing services. Many also offer custom design, engraving, and appraisal services.
Questions to investigate
- What is the total value of jewelry, watches, and gemstones kept on premises at any one time, and are there any individual pieces above a certain value threshold?
- What security measures are in place — monitored alarm, safe or vault rating, after-hours showcase locking, security cameras?
- Does the business accept customer items for repair, sizing, or appraisal, and approximately what value of customer property is typically on hand?
- Does the insured participate in trade shows, gem shows, or off-site sales events, and if so, how is merchandise transported and protected?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.