Jewelers Mutual has filed to introduce a new Contractual Liability Insurance Policy (CLIP) program in Washington, expanding coverage designed to back “protection promises” made by jewelers to their customers.

The filing was submitted on August 26, 2025, with an effective date of December 1, 2025, for both new business and renewals. The program is structured to support complimentary customer perks offered by retail and wholesale jewelers, such as ring resizing or pearl restringing, rather than insurance or service contracts sold directly to consumers. Customers do not pay a separate fee for these benefits.

Under the CLIP structure, coverage is activated when eligible items are registered with the company, aligning protection with individual transactions. The filing notes that the program is distinct from a previously filed Service Contract Reimbursement policy, which Jewelers Mutual referenced to clarify regulatory differences.