Getting the Insurance You Need: 12 Strategies That Work

With loaded handguns at the ready and the will to kill, five men tunneled a 3-ft. hole in a ninth-floor wall of a building in midtown Manhattan. They had come to steal $1 million in gold from Goldarama Gold Manufacturing Co. on West 45th Street. Thanks to an anonymous tip, the crooks emerged from the hole to find the NYPD-FBI Joint Bank Robbery Task Force waiting for them. The heavily armed law enforcement strike force captured all of the suspects. It’s a story suited for a prime-time TV drama. Unfortunately, jewelers can’t count on such happy outcomes. “Law enforcement and jewelry retailers and manufacturers aren’t always so lucky,” says John J. Kennedy, president of the Jewelers’ Security Alliance (JSA). “Good security alone isn’t enough. Retail jewelers need insurance.” While JSA’s statistics show crime against jewelers has decreased nationwide, its Manual of J

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