Coverage provided is usually on an "all risks" basis. Most policies would include entrusted items, whether from clients or suppliers, within the stock sum insured. It is therefore important that the correct sum be stated in the policy.

The stock is covered at all times in the shop but must be locked up in a safe at night. A small amount of jewellery may be kept in some show-windows, but this sub-limit will vary depending on where the premises are located. Stock when carried outside premises will also be covered, up to a limit and restrictions as to whom may be covered when travelling with stock and where may apply. A survey of the premises and security measures will usually be requested by Insurers, which may lead to recommandations needing to be complied with in a certain time frame. Failing to do so may lead to Insurers cancelling cover.