Jewelers Mutual Integration: Offering Insurance and Protection at Checkout

You have a lot on your plate, from keeping track of inventory to making sure customers are happy. Once you’ve helped someone find that perfect piece of jewelry, the next logical step is protecting their purchase. 

That’s where offering insurance becomes a game-changer. Jewelry is a significant investment, and proper coverage gives customers peace of mind long after they leave your store. 

Jewel360 makes it easy. Insurance quotes and care plans from Jewelers Mutual are integrated directly into the point of sale (POS). Offering this protection at checkout simplifies the policy creation process for your business — and adds value for your customers.

Here’s how it works.

How Insurance Protects Your Customers’ Jewelry

Jewelry insurance protects the value of your customers’ purchases by covering a wide range of situations, including theft, loss while traveling, damage, mysterious disappearance, and even natural disasters. This protection helps ensure customers can enjoy their beautiful pieces for years to come — and that’s great for your jewelry store. It strengthens the relationship between you and your customers.

Related Read: Psychology of Jewelry Purchases: Emotions, Occasions, and Sales

Protection Made Easy at Your POS System

The Jewel360 and Jewelers Mutual integration simplifies the way you offer and manage protection for your customers.

Here’s how easy it is to include at checkout:

• POS insurance quotes: Generate instant insurance quotes right at checkout, eliminating the need for separate appointments or back-and-forth phone calls. You can start immediate protection for customers, which helps drive higher conversion rates when insurance is offered on the spot.
• Care plan integration: Sell extended warranties and protection plans, such as the JM® Care Plan, directly at checkout. Automatic enrollment options are available at the time of purchase. The process is straightforward and clear, with coverage details built into your existing checkout flow.
• Built-in enrollment: Eliminate manual insurance paperwork for your store by using this integration. You can automate claim filing and tracking, store all documentation digitally, and manage customer communication in one place.

What Jewelers Mutual Offers

Protecting your customers’ purchases is simple with Jewelers Mutual. 

These services are designed specifically for the jewelry industry and can be accessed directly in Jewel360:

• Personal insurance: Available directly in the Jewel360 POS, these insurance plans cover all types of jewelry, including engagement rings, wedding bands, watches, and earrings. Each policy includes a 15-day jewelry insurance offer from Jewelers Mutual with no upfront payment required, coverage beyond standard homeowners or renters insurance, and optional policy riders to customize protection.*
• JM® Care Plan: This plan helps customers keep jewelry or watches in like-new condition by covering normal wear and tear and accidental damage. It also supports business growth by adding revenue opportunities, expanding service offerings, improving customer satisfaction, and increasing retention. Sell JM® Care Plans at the time of sale, directly from the POS software.**
• JM® Shipping Solution: This service helps jewelry stores manage risk and lower insurance costs when shipping jewelry. Print labels directly from Jewel360, insure online orders, and ship through the Zing® marketplace — an online hub built exclusively for jewelers to source diamonds.

Related Read: Jewelry E-Commerce Store: 12 Tips and Tools for Growth

How Jewelers Mutual Helps Grow Your Business

Integrating Jewelers Mutual into Jewel360 is an easy decision. The combination is a win-win — it benefits customers and supports meaningful growth for your jewelry business.

Here’s what you can do when you use Jewelers Mutual through our Jewel360 platform:

• Strengthen customer loyalty: Offering services such as comprehensive care plans, custom design, and jewelry repair allows you to personalize the customer experience. This approach boosts satisfaction and long-term loyalty, encouraging repeat business across future purchases.
• Boost revenue: Generating income from both services and product sales creates a more stable, profitable business model. Built-in commission reporting makes compensating staff simple and efficient.
• Stand out from the competition: Providing services your competitors don’t offer helps differentiate your store in a crowded market and attract new customers while retaining existing ones.
• Increase average transaction value: Adding services like jewelry insurance and maintenance can raise the value of each transaction. Over time, this supports steady growth and a healthier bottom line.
• Build trust and credibility: Delivering high-quality services and expert guidance strengthens your reputation. Industry partnerships and community involvement further reinforce trust and elevate the jewelry industry as a whole. 

Offering insurance and protection at checkout demonstrates excellent customer service and expertise. It helps you stand out, increase average spend, and build a stronger relationship with your customers.

It’s a complete process that connects your jewelry store to your customers, from purchase to maintenance and care for their jewelry.

Schedule a demo today to see how our Jewelers Mutual integration can help you serve your customers at checkout and beyond.

*Insurance coverage is subject to underwriting review and approval, and to the actual policy terms and conditions. Any descriptions are a brief summary of coverage and are not part of any policies, nor a substitute for the actual policy language.

Insurance coverage is offered by a member insurer of the Jewelers Mutual Group, either Jewelers Mutual Insurance Company, SI (a stock insurer) or JM® Specialty Insurance Company. Policyholders of both insurers are members of Jewelers Mutual Holding Company.

**Care Plan exclusions and limitations apply. For specific plan details, refer to the Terms and Conditions. JM® Care Plan is offered by a member of the Jewelers Mutual Group, either JM® Care Plan, Inc. or JM® Care Plan Services, Inc.