Jewelry Insurance Manual
Table of Contents
Property in Safes or Vaults
Additionally Acquired Property
Pair or Set Clause
Loss Settlement and Payment Options
Protection of Property
Jewelry Rates and Minimum Premiums
Deductible Rating Credit
Additions and Cancellations
Submitting Jewelry Floater Business – Use of Application
Schedule of Items
Gemological Institute of America (GIA)
Verification of Values
The Appraisal Process
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
Precious Metals as Used in Jewelry
Weights & Measures
Precious Metal Jewelry Manufacturing
Synthetics and Simulants
Diamond – the Four Cs
Cut – The Misunderstood “C”
Carat Weight – the 4th “C”
The Anatomy of a GIA Diamond Report
Diamond Certificate vs. Appraisal
American Cut Standard for Round Brilliant Diamond
Colored Stone Grading
Other Colored Gems
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