“Can a century-old specialty jewelry insurer transform into an embedded finance and digital insurance platform that bundles protection, financing, and care plans at the point of jewelry sale?”
Founded in 1913 as a mutual insurer exclusively serving jewelry businesses, Jewelers Mutual has operated for over 110 years as the dominant specialty insurer in the US jewelry sector. The company has expanded beyond pure insurance underwriting into B2B2C distribution through its Jeweler Solutions division, offering care plans and appraisal programs to retail jewelers. In 2026, the company accelerated its digital transformation by partnering with insurtech platform Sure to deliver a modern standalone digital consumer insurance experience, and entered a sponsorship with Synchrony to bundle financing and insurance at the point of sale — signaling a shift toward embedded finance distribution rather than solely direct insurance underwriting.
Jewelers Mutual's lending and capital products are provided by Synchrony.
Jewelers Mutual's embedded insurance is provided by Sure.
The Embedded Finance Index 2026 maps 2 layers in Jewelers Mutual's stack: Lending (Synchrony and Jewelry point-of-sale consumer financing (via Synchrony)); Insurance (Sure).
Jewelers Mutual is founded in 1913 and headquartered in Neenah, WI, USA.
Jewelers Mutual's acquisitions include JIBNA Personal Jewelry Insurance (2007) and Jewellers Loop (2004).
Get a read on where your own stack stands against Jewelers Mutual and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.