Who can be insured? Why do I need to complete a proposal form? What are the basic security requirements? How is the stock sum insured calculated? A manufacturer is a lesser risk than say a retailer; will the premiums therefore be lower? What cover is provided for stock removed from the premises? If whilst working on an item of jewellery a stone is damaged, is it insured? Is shoplifting insured? What stock records are required to substantiate a loss? How are contents other than stock insured? Can interruption to my business following theft be covered? Can the premium be paid monthly? Who are the underwriters? Can you give me a brief history of Gem & Jewel?