Lavalier

What Lavalier does

Lavalier Insurance Services, LLC is a US-based specialty insurance provider focused exclusively on personal jewelry insurance, operating as a subsidiary of Berkley Asset Protection within W.R. Berkley Corporation (NYSE: WRB, Fortune 500). Founded in 2013 and headquartered at 757 Third Avenue in New York, Lavalier sells all-risk coverage for loss, theft, damage, and mysterious disappearance of jewelry worldwide, with policy limits up to $50,000 per item and $150,000 per policy. Annual premiums are priced at 1-2% of appraised value with a $50 minimum, and policies are insured by Berkley National Insurance Company and administered by Lavalier. The company holds insurance licenses in all 50 US states plus DC.

The core product is delivered through a digital-first self-service platform at account.lavalier.com, which enables quotes in under a minute and policy applications in under 10 minutes, alongside phone-based assisted sales. Distribution operates through three channels: direct-to-consumer digital self-service, a registered partner jeweler network that places insurance at point of sale and receives repair/replacement referrals on claims, and independent insurance agent partnerships. Anchor partnerships include Signet Jewelers (parent of Kay, Jared, and Zales) and Progressive Insurance for affinity distribution. The company is differentiated from general homeowners insurance by specialized coverage terms, worldwide protection, customer choice of preferred jeweler, and claims settlement typically within 24 hours.

Lavalier's business model centers on recurring annual premiums on a long-tail book of individually appraised jewelry items, augmented by an Unscheduled Jewelry Endorsement for lower-value pieces. Customer segments include individual jewelry owners (primary), partner jewelers, and independent insurance agents. Operational scale is modest at 11-50 employees, and revenue is not publicly disclosed given its position within a larger publicly traded insurance holding company.

Name

Lavalier

Legal name

Lavalier Insurance Services, LLC

Website

https://lavalier.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Lavalier is a US specialty insurer offering all-risk personal jewelry insurance worldwide, distributing through a digital self-service platform, a partner jeweler network, and affinity partnerships with Signet Jewelers and Progressive Insurance.

Ownership category

akta.pro rank

Product category

Specialty Jewelry Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Fine Art, Jewelry & Specie (FSAJAGAL)

akta.pro secondary industry

Appraisal, Authentication & Insurance Documentation (CRAKALAH)

Keywords

• Jewelry insurance
• Personal property insurance
• Specialty insurance
• All-risk coverage
• Engagement ring insurance

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Annual Jewelry Insurance Premiums: Customers pay annual premiums for jewelry insurance coverage. Pricing is based on 1-2% of the insured jewelry's appraised value, with a minimum annual premium of $50. Policy coverage limits are up to $50,000 per individual item and $150,000 total per policy.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Lavalier provides specialized personal jewelry insurance that protects fine jewelry against loss, theft, damage, and mysterious disappearance anywhere in the world. Policies are underwritten by Berkley National Insurance Company and sold directly to consumers online, through retail jewelry partners, and via independent insurance agents, with coverage limits up to $50,000 per item and $150,000 per policy.

Product overview

Lavalier offers specialized jewelry insurance as its core product, providing personalized 'all risk' coverage for individual jewelry items up to $50,000 per piece with a maximum policy limit of $150,000. The company operates through a self-service digital platform (account.lavalier.com) where customers obtain quotes, apply for coverage, and manage policies. Coverage includes loss, theft, damage, and mysterious disappearance worldwide. The Unscheduled Jewelry Endorsement add-on extends coverage to lower-value items not individually appraised. The Partner Program enables jewelers to offer insurance at point of sale. All policies are insured by Berkley National Insurance Company and administered by Lavalier.

Differentiator

Problem solved

Functional benefit

Products and services

• Lavalier Personal Jewelry Insurance Specialized "all-risk" personal jewelry insurance policy that protects individual fine jewelry items worldwide against loss, theft, damage, and mysterious disappearance. Offers coverage limits up to $50,000 per item and $150,000 per policy, flexible deductibles from $0 to $25,000, and the ability for customers to use their preferred jeweler for repairs and replacements. Sold to individual U.S. consumers via direct digital self-service, partner jewelers at point of sale, and independent insurance agents.
• Unscheduled Jewelry Endorsement Coverage add-on for jewelry items not individually appraised and too low-value to schedule individually on the policy. Requires at least one scheduled (appraised) item on the base policy. Covers jewelry worth up to $1,000 per item, purchased in $1,000 increments up to $5,000 total, and is subject to a $100 per-occurrence deductible. Mysterious disappearance is not covered on unscheduled items. Designed for individual consumers who own a mix of high-value scheduled jewelry and additional everyday pieces.

Quantifiable outcome

• Claims typically settled within 24 hours of approval
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Four partnerships are on record, tiered core and flagship.

• Signet JewelerscoreGTM or Marketing PartnerLavalier partners with Signet Jewelers (parent company of Kay Jewelers, Jared, and Zales) to provide best-in-class jewelry insurance coverage to Signet's customers through the partner jeweler program.
• Progressive InsurancecoreGTM or Marketing PartnerLavalier partners with Progressive Insurance to offer specialized jewelry coverage as an add-on product for Progressive policyholders seeking jewelry protection beyond standard homeowners coverage.
• Partner Jewelers NetworkcoreChannel Partner/ Reseller/ DistributorRetail jewelry stores register as partner jewelers to offer Lavalier insurance at point of sale, receive referral business for repairs and replacements, and gain a value-added service to differentiate their business. Partners receive custom webpages, point-of-sale materials, and ongoing referral leads.
• W.R. Berkley Corporation / Berkley Asset ProtectionflagshipStrategic or Co-development PartnerLavalier is a member of Berkley Asset Protection, which is a member company of W.R. Berkley Corporation. Policies are insured by Berkley National Insurance Company and administered by Lavalier. This provides financial backing with A.M. Best A+ (Superior) rating.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Travelers Personal Insurance: Travelers offers scheduled personal property endorsements on homeowners policies, including for jewelry, across a wide agent and broker network. It competes indirectly with Lavalier for customers who already bundle insurance with a major carrier.
• AIG Private Client Group: AIG's Private Client Group provides high-value personal insurance including scheduled jewelry, often through wealth advisors and brokers. It competes with Lavalier for affluent customers seeking jewelry coverage as part of a broader personal-lines portfolio.
• Liberty Mutual Personal Insurance: Liberty Mutual offers personal property and jewelry coverage through standard homeowners and renters policies, including add-on scheduled items. It is a broad P&C incumbent that competes with Lavalier on convenience-of-bundling.
• Chubb Personal Insurance (Masterpiece): Chubb's Masterpiece personal articles policy provides scheduled coverage for jewelry, watches, and fine art for affluent consumers, often bundled with high-end homeowners coverage. It is a broad incumbent offering overlapping capabilities to high-net-worth segments that Lavalier also targets.

Emerging players

• Lemonade: Lemonade is a digital-first insurance carrier using AI-driven underwriting and a mobile-first UX across renters, homeowners, and pet lines. While it does not yet specialize in jewelry, its product-led growth model and digital platform are highly comparable in motion to Lavalier's.
• Pure Insurance (Privilege Underwriters): Pure is a high-net-worth-focused specialty insurer offering scheduled jewelry, fine art, and collections coverage. It overlaps with Lavalier's higher-end use cases and represents a specialized competitor in the luxury personal-lines segment.

Direct peers

• Jewelers Mutual: Jewelers Mutual is the most established specialty jewelry insurance carrier in the US, offering personal jewelry policies and jeweler-facing products. It is the closest direct competitor to Lavalier in product, customer segment, and distribution model.

Others

• Signet Jewelers: Signet Jewelers (parent of Kay, Jared, Zales) is a Core GTM partner and the largest retail distribution channel for Lavalier. It is included because of its central role in Lavalier's point-of-sale acquisition model and because retailers can in-source or switch insurance partners.
• W. R. Berkley Corporation: W.R. Berkley Corporation is Lavalier's ultimate parent and the risk-bearing carrier (via Berkley National Insurance Company). It is included as a peer because it provides the capital, reinsurance, and regulatory infrastructure that defines Lavalier's operating model.
• Progressive Insurance: Progressive is a top-5 US P&C carrier and a Core GTM/distribution partner of Lavalier, offering Lavalier jewelry coverage as a complementary product. It is included as an ecosystem peer because the partnership is a key growth channel for both companies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/lavalierpersonaljewelry
• LinkedInlinkedin.com/company/lavalier-personal-jewelry-insurance
• Instagraminstagram.com/lavalierjewelry
• Xx.com/LavalierLLC

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lavalier