Classified by insurance liability                                                                  

• Property insurance: mainly protects against risks that may cause jewelry property damage, such as fire, theft, and natural disasters.
• Liability insurance: mainly guarantees the compensation liability of jewelry companies in the event of personal injury or property damage to third parties, such as customer falls and injuries in the business premises, product quality issues leading to customer claims, etc.
• Credit insurance:mainly protects jewelry companies from losses incurred due to customer default or bankruptcy.
• Transportation insurance: mainly protects jewelry from various problems that may occur during transportation.

Classified by underwriting methods                                                                           

• Fixed value insurance: At the time of purchase, the insurer and the insured have already determined the insured value and stated it on the insurance policy. The advantage of this method is that the procedures are simple, but the disadvantage is that when an insurance accident occurs if the actual value of the insured subject matter is higher than the insured amount, the insured may not receive full compensation.
• Uncertain value insurance: When applying for insurance, the insurer does not pre-determine the insurance value, only stating the insurance amount as the maximum compensation limit. The advantage of this approach is that the insured amount is not limited by the insured value, and the insured can receive full compensation; The disadvantage is that the procedures are relatively complex and the insurance value needs to be determined after the occurrence of an insurance accident.