Home Watch Business Insurance: Quotes From $5

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Updated: March 30, 2025 . 4 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

Businesses that operate in the jewelry and fashion industries tend to spend a lot of money on their insurance policies. This due to the relative risk that they present to insurance carriers.

It’s Vital to get your hands on a quality insurance policy that will give you an adequate level of coverage for a reasonably affordable amount of money. 

Over the course of this guide, we’re going to cover everything that you need to know about home watch business insurance. The policies available, top company providers and the insurance cost.

Home Watch Business Liability Insurance

General liability insurance is commonly availed for home watch and other related businesses as it already provides protection for numerous claims made by customers.

A situation where general liability insurance becomes beneficial to the home watch business is if

  • There might be a heavy object inside, which a client trips on resulting in a cracked nail that needs surgery to be removed.
  • The seat inside the office might have been worn already and when a client sits on it, it collapses from the weight applied and causes injuries.

 

While general liability already acts as a trusty first line of defense against risks , there are still situations where it can’t provide protection. 

And so, you might want to get it not as a stand-alone policy but as a policy bundled with other policies to form a business insurance policy, which provides more coverage and ease of mind.

Home Watch Business Insurance Policy

A business insurance policy (also known as a BOP) isn’t exactly a policy of its own but rather a combination of different types of coverage bundled together with general liability policy to provide more protection.

Aside from insurance policies becoming cheaper, BOP is advantageous because it makes claims processing easier for underwriters and when underwriters find it easy, your can use your insurance funds as quickly as possible.

Most BOPs feature a couple of components. For example, BOPs often have a liability insurance component, which is either general coverage or public liability coverage

 

Home Watch Insurance Cost

The cost of your home watch business insurance typically depends on a few different factors that you’ll have to account for before you go out and get yourself a quote. 

1.size of your business. Since a larger business will have more clients coming through their doors, insurance companies will find it easier to justify charging them more for their coverage.

2.your history repairing watches. A newer watch repair business that hasn’t proven itself may end up being more expensive to insure than an experienced one. 

  1. filed any claims while managing this business or prior ones, since that drives up the cost of your coverage.
Company Cost per month Cost per year
Specialist Risks $30 $360
Blackfriars Group $32 $384
Hiscox $35 $420
Average Cost $32.33 $500.29

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Home Jeweler Insurance

Working as a home jeweler will typically result in more expensive insurance premiums than as a home watch repair business because of the higher risk of getting robbed, which makes insurers warier of covering you.

 

Best Home Watch business Insurance Companies

Specialist Risks Home Watch Insurance

This company covers niches that include, office insurance, factory insurance, salon insurance, and, of course, home watch business insurance.

Home watch businesses are covered under Specialists Risks’ Watch Repairers Insurance policy, which comes with employers’ liability insurance, public liability insurance, and tradesman insurance.

Average cost : $30

Our rating : 5/5

Pros:
  • Used to working in the industry
  • Offers a range of coverage options
  • Affordable
Cons:
  • Not a carrier but a broker

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Blackfriars Group 

Blackfriars offers a range of policies for home watch businesses, though the most common ones that they sell include public liability and employers’ liability coverage. The coverage limits for their public liability policies range from between $1 million and $10 million.

Average cost : $32

Our rating : 5/5

Pros:
  • Moderate price
  • Variety of coverage options
  • High policy limits
Cons:
  • Only available in the UK and Europe

Hiscox Home Watch Insurance

Hiscox doesn’t actually offer a specific policy under which they cover home watch makers and watch repair businesses. Instead, they cover people who work in this field under their jeweler business insurance policy. This policy includes general liability insurance and worldwide coverage.

Average cost : $35

Our rating : 4/5

Pros:
  • Quick to respond to claims
  • Custom insurance policies
  • Worldwide coverage
Cons:
  • Expensive

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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