Insurance for Pawnbrokers

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Protecting the trade with specialized coverage  

At JM Insurance Agency Partners, we provide comprehensive insurance for pawnbrokers that goes beyond the basics. We help you protect your business with tailored coverage and provide the risk-management tools you need to maximize your potential. 

What does insurance for pawnbrokers cover? 

Our exclusive insurance products are designed around the unique valuation needs of the pawn industry. Unlike standard policies, our coverage is based on your choice of replacement cost, a multiple of the pawn value, or the actual cost of the loan plus interest.  

Pawnbroker insurance with customizable coverage 

Our policies are fully customizable, allowing you to select the specific protections that fit your business model: 

  • Pawned & owned jewelry & guns 
  • Pawned & owned other stock 
  • Auto pawn vehicles (property coverage) 
  • Personal conveyance of jewelry 
  • Business general liability & gun liability 
  • Business interruption & extra expense 
  • Employee theft & employee benefits liability 
  • Hired & non-owned auto liability 
  • Cyber liability 
  • UPS, armored car shipments, and other major carriers
  • Cash on & off premises 
  • Building, ordinance or law, and demolition costs 
  • Computer & electronic media protection 
  • Glass, sign, and business Personal property coverage
  • USPS Registered & Express Mail
  • valuable papers & records
  • Accounts receivable
  • disappearance: Up to your pawned & owned jewelry, gun, and stock limits 

How we handle claims

While claims are processed directly by the carrier, JM Insurance Agency Partners stands by your side as your dedicated advocate. We guide you through every step, communicating with the carrier and leveraging our deep industry connections to ensure your piece is repaired or replaced with the utmost care. 

Why JM Insurance Agency Partners 

JM Insurance Agency Partners has been continuously providing insurance for pawnbrokers since 1968. In an industry that relies on trust and security, our longevity speaks for itself. We are recognized as a leader in providing high-quality, specialized products to the pawnbroking trade. 

What’s next?

Fill out our form below, and an expert agent will contact you within 1 business day to build a policy as unique as your collection.