What is covered when I insure through Lavalier? What isn’t?

Our policy is an “all risk” policy, meaning that everything is covered unless it is expressly excluded. There aren’t many exclusions. Any form of loss, damage, theft, or ‘mysterious disappearance’ is covered anywhere in the world. (‘Mysterious disappearance’ is simply unexplained loss.) Our policy even covers newly purchased jewelry until you have a chance to add it to your policy, and jewelry in transit for inspection, repair or sale until the point that the buyer receives it (though not if you are not paid).


What is not covered are things like manufacturer’s defects, intentional loss or damage, and some highly unusual situations like nuclear hazard or war. We’ve designed our coverage to be comprehensive since we know we are protecting some of your most precious possessions…and the moments in life that they symbolize. .

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