Luxsurance

What Luxsurance does

Luxsurance, LLC is a Neenah, Wisconsin-based insurance technology company founded in 2021 that markets and distributes specialized jewelry insurance policies to individual consumers and to jewelry retailers. The company is a privately held branded entity operating under Jewelers Mutual Group, and all Luxsurance-issued policies are underwritten by member insurers of the Jewelers Mutual Group, which have carried consecutive A+ Superior Ratings from A.M. Best and have been insuring jewelry exclusively since 1913. Luxsurance's core product is annual jewelry insurance coverage protecting against loss, theft, damage, and disappearance, priced at 1-2% of the insured jewelry's value per year with an optional $0 deductible and the ability for policyholders to work with their own trusted jeweler for repairs and replacements. The technology stack is a standard digital insurance platform consisting of a public marketing site, a jeweler-facing Lux Digital Vault tool for partner-enabled distribution, and an authenticated policyholder portal (app.luxsurance.com and my.jewelersmutual.com) for quote generation, policy management, document uploads, and digital claims submission. Go-to-market operates as a hybrid DTC and B2B2C motion: consumers can self-serve online or via a toll-free number (833-419-0128), and jewelers recommend Luxsurance at point of sale through the Lux Digital Vault offering. Coverage is currently available in all 50 US states, the District of Columbia, and Canada. Revenue is not publicly disclosed, no external funding rounds are recorded, the management team surface area is thin (founder David Blank is the only named executive), and there is no evidence of acquisitions, patents, or AI/ML capabilities — meaning the company's investment story rests almost entirely on the credibility and reach inherited from its Jewelers Mutual Group parent.

Name

Luxsurance

Legal name

Luxsurance, LLC

Website

https://luxsurance.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Luxsurance is a digital-first jewelry insurance brand launched in 2021, offering annual policies against loss, theft, damage, and disappearance to individual jewelry owners across the US and Canada, underwritten by Jewelers Mutual Group member insurers and distributed via direct-to-consumer portal, phone, and jeweler partner referrals.

Ownership category

akta.pro rank

Product category

Jewelry Insurance

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Fine Art, Jewelry & Specie (FSAJAGAL)

Keywords

• Jewelry insurance
• Specialty insurance
• Personal property coverage
• Insurance technology
• Consumer insurance

Headquarters

HQ city

Neenah

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Jewelry Insurance Premiums: Annual insurance premiums charged to policyholders for jewelry coverage. Premiums are calculated as a percentage of the insured jewelry's value (1-2% per year) and are paid annually. Policies are underwritten by member insurers of the Jewelers Mutual Group.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Luxsurance sells specialized jewelry insurance policies that protect individual consumers' jewelry (rings, watches, earrings, bracelets, necklaces) against loss, theft, damage, and mysterious disappearance. Policies are underwritten by member insurers of the Jewelers Mutual Group and are priced at 1-2% of the insured jewelry's value per year, with a $0 deductible option. Customers can purchase, manage, and file claims through a digital portal, and replacements or repairs are coordinated through the customer's trusted jeweler.

Product overview

Luxsurance is a jewelry insurance brand offering a single unified product: comprehensive jewelry insurance coverage underwritten by Jewelers Mutual Group member insurers. The core Luxsurance Jewelry Insurance product protects all types of jewelry (rings, watches, earrings, bracelets, necklaces, and more) against loss, theft, damage, and disappearance with worldwide coverage and replacement or repair through the customer's trusted jeweler. The product portfolio includes the main insurance offering, the Lux Digital Vault (a digital vault tool for jewelers to manage client information), and the customer-facing Digital Vault Login Portal for policy management and claims filing. Pricing is based on 1-2% of the insured jewelry value per year with a $0 deductible option available.

Differentiator

Problem solved

Functional benefit

Products and services

• Luxsurance Jewelry Insurance Comprehensive jewelry insurance policy protecting individual consumers' jewelry items against loss, theft, damage, and mysterious disappearance, with worldwide coverage and repair/replacement handled through the customer's trusted jeweler. Underwritten by Jewelers Mutual Group member insurers and priced at 1-2% of jewelry value per year with an optional $0 deductible.
• Lux Digital Vault for Jewelers Digital tool offered to partnered jewelry retailers that allows them to manage and protect their clients' jewelry information and insurance records, and to refer customers to Luxsurance jewelry insurance at the point of sale.

Quantifiable outcome

• Rates as low as 1-2% of jewelry value per year
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Jewelers Mutual GroupcoreStrategic or Co-development PartnerLuxsurance partnered with Jewelers Mutual Group, a jewelry insurance specialist with over 100 years of experience since 1913. All Luxsurance jewelry policies are underwritten by a member insurer of Jewelers Mutual Group. Jewelers Mutual Group Insurers have earned consecutive A+ Superior Ratings from A.M. Best Company for decades. Luxsurance leverages Jewelers Mutual's expertise, claims handling, and financial strength.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Lavalier Jewelry Insurance: Pure-play jewelry insurance competitor offering similar personal-item coverage including loss, theft, damage and disappearance. Competes head-to-head with Luxsurance for both direct consumer acquisition and jeweler-referral relationships in the US specialty jewelry niche.
• Jewelers Mutual Group: Parent/underwriting partner of Luxsurance since 1913 and the dominant US specialist in jewelry insurance. Operates overlapping jewelry insurance products directly and through its own digital channels, making it both the platform's sponsor and closest functional competitor for the same end customer.
• Zillion Insurance: Specialist watch and jewelry insurer operating in the same fine-art/specie-adjacent segment. Targeted at high-value watch and jewelry owners, giving it direct overlap with Luxsurance's customer persona and product scope.

Broad incumbents

• PURE Insurance: Member-owned high-net-worth personal lines carrier writing scheduled jewelry coverage alongside home, auto, and umbrella. Comparable to Luxsurance in customer profile but operates as a multi-line carrier rather than a jewelry specialist.
• Chubb Personal Risk Services: Broad incumbent high-net-worth personal lines carrier offering scheduled personal-property coverage for jewelry through its Masterpiece product. Different in scale and breadth but addresses the same insurance need for higher-value jewelry owners.
• AIG Private Client Group: Large incumbent serving high-net-worth households with personal-articles floaters for jewelry and other collectibles. Provides parallel coverage options to the same end customer, though under a broader portfolio rather than a jewelry-only focus.

Emerging players

• Berkley Asset Protection: Niche provider focused on underwriting specialized personal property including jewelry. Smaller and more focused than the broad incumbents but overlaps materially with Luxsurance's product scope and target customer.
• Lemonade: Insurtech leader demonstrating how digital-first distribution can disrupt personal lines. While currently focused on home/renters/pet/auto, it represents the same technology- and customer-experience-led thesis Luxsurance applies to jewelry insurance.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/luxsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Luxsurance