As part of your business, you may be appraising jewelry and other related pieces. While you don’t intend to be dishonest with your appraisal, sometimes mistakes happen and you may end up undervaluing or overvaluing a piece. You could be held liable for the mistake, which is where errors and omissions liability insurance (E&O) can help protect you since it may cover damages your customers face because of your appraisal. However, sometimes there is unfortunate intentional dishonesty from your employees. They may overcharge customers to pocket the difference, may undervalue a piece being sold to your business in exchange for cash, or possibly try to embezzle inventory or cash from the store. To protect yourself from these intentional acts, consider employee dishonesty insurance as part of your jewelers insurance coverage.