As an agent or broker who works with high-net-worth clientele, chances are your clients often purchase jewelry for a loved one for special occasions such as birthdays and anniversaries, Mother's Day, graduations or weddings. However, with fine jewelry appreciating in value, coupled with various jewelry-related insurance nuances, your clients' purchases could expose them to a wide range of new (and potentially costly) risks.

Here are four things you can do to help protect your clients' jewelry purchases.

1. Verify the Value

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