Modern Protection for Modern Milestones

We make jewelry and event insurance faster, easier, and more affordable wherever, whenever you choose.

As Seen In…

Fortune.com - Featured Watch Insurance Provider

The Knot - Wedding Watch Insurance Information

Yahoo - Financial News and Insurance Information

Who We Are

BriteCo is a US- based insurance technology company specializing in standalone jewelry and wedding/event insurance. Founded in 2017 by a third-generation retail jeweler, BriteCo has revolutionized jewelry and event insurance by making coverage faster, easier, and more affordable than traditional options. Today, consumers can get immediate protection from BriteCo for their most cherished valuables and milestone events through multiple channels, including:

Direct purchase online at brite.co
Through 4,000+ independent insurance agents across the US
At checkout with select online jewelry retailers
At the point of sale for more than 3,500 independent retail jewelers nationwide
From partnering wedding venues and planners

Why We Are Your Best Choice

BriteCo has revolutionized the jewelry and wedding/event insurance market, leveraging technology to offer the most comprehensive and affordable coverage today.

BriteCo Jewelry & Watch Insurance:

Comprehensive Coverage

BriteCo insures fine jewelry and luxury watches against loss, theft, damage, and mysterious disappearance, with worldwide protection 24/7.

High Replacement Value

Policies cover up to 125% of the appraised value, ensuring customers can replace items even if market prices rise.

Zero Deductibles

Standard policies have no deductibles, so customers don’t pay out of pocket when making a claim.

Affordable and Flexible Payments

Coverage can start as low as $5 per month, with monthly or discounted annual payment options.

Fast, Digital Process

Customers can get a quote in under a minute and secure coverage in just a few minutes through an easy online application.

Standalone Policy

BriteCo’s policies are separate from homeowners or renters insurance, so claims do not affect those policies.

Preventative Maintenance

Coverage includes certain preventative maintenance services, such as prong re-tipping and clasp replacement.

Retail Jeweler Integration

BriteCo offers a free, cloud-based appraisal option for jewelers that integrates with e-commerce platforms like Shopify and POS systems such as The Edge. This makes it easy for their customers to get instant insurance quotes at the point of sale.

BriteCo Wedding/Event Insurance

BriteCo wedding and event insurance offers broad, customizable protection for liability, cancellation, and unique risks, with standout features like “cancel for any reason,” COVID coverage, zero deductibles, and high coverage limits — making it a leading choice for couples seeking peace of mind for their big day.

Comprehensive Coverage Options

General Liability Insurance

Protects you, your guests, and your venue against bodily injury or property damage claims during the wedding. This includes host liquor liability (for alcohol-related incidents), property damage, and even pet liability if your cat or dog is part of the celebration.

High Coverage Limits

Standard liability coverage includes $1,000,000 per occurrence and $2,000,000 aggregate, with options to increase limits up to $20 million for larger events.

Zero Deductible

Policies come with no deductible, so you don’t pay out of pocket for covered claims.

Cancellation and Postponement Protection

Comprehensive Cancellation Coverage

Reimburses deposits and payments for venues, vendors (florists, photographers, caterers, etc.), attire, gifts, and special jewelry if the wedding is canceled or postponed due to unforeseen circumstances such as illness, extreme weather, or military deployment.

Vendor Failure Coverage

Protects deposits if a vendor goes out of business or fails to deliver services, even if the wedding itself is not canceled.

Additional Expenses

Covers extra costs incurred to avoid cancellation and keeps your wedding on track despite unexpected issues.

Special Item Protection

Includes coverage for theft, loss, or damage of wedding gifts and special jewelry (excluding watches and engagement rings), as well as attire and the cost of retaking photos if needed.

Unique and Optional Benefits

Cancel for Any Reason

Optional add-on allows cancellation for any reason — including a change of heart—reimbursing up to 75% of your insured costs (excluding known reasons prior to purchase).

COVID Protection

Unique among event insurers, BriteCo covers cancellations due to COVID-related issues for the couple, officiant, immediate family, and wedding party.

Professional Counseling

Offers coverage for counseling services if the wedding is unexpectedly canceled or postponed.

MedPay

Optional medical payments coverage for accident-related medical, dental, or funeral costs, regardless of fault.

Waiver of Subrogation & Primary/Non-Contributory Language

Optional coverages that may be required by venues, protecting vendors and ensuring BriteCo pays claims first.

BriteCo Recognized As The Best

BriteCo is recognized as an innovative leader in jewelry and watch insurance, offering comprehensive, affordable, and easy-to-access coverage for individuals and supporting retail jewelers with digital tools and integrations.

In 2024-2025, BriteCo jewelry and watch insurance received several prominent awards and industry recognitions for its coverage, innovation, and customer service:

Benzinga

Ranked BriteCo as the #1 Best Overall Jewelry Insurance in 2025, highlighting its unmatched coverage, affordable pricing, world-class customer service, and seamless claims process.

CNBC Select

Listed BriteCo among the Best Jewelry Insurance of 2025, noting its zero deductibles and high-value coverage for individual jewelry items.

Forbes (2024/2025)

Named BriteCo as the “Best Jewelry Insurance for Replacement Value,” awarding it a perfect 5-star rating. Forbes highlighted BriteCo’s 125% replacement value coverage, zero deductibles on standard policies, and automatic annual policy updates to reflect market price changes.

Brides.com (2024/2025)

Awarded BriteCo the “Best Overall” jewelry insurance provider, recognizing its comprehensive coverage and customer-friendly features.

Fortune (2024/2025)

Featured BriteCo as an award-winning standalone jewelry insurance provider, noting its robust financial backing by Glencar Insurance Company and Hannover Re.

Investopedia (2025)

Included BriteCo among its top jewelry insurance companies, citing its high coverage caps, comprehensive protection, and user-friendly digital experience.

The Groom Club (2025)

Lists BriteCo among the best wedding insurance companies, emphasizing its tailored coverage options and seamless digital experience designed for weddings and related events.

NerdWallet (2025)

Highlights BriteCo as a top choice for wedding insurance, praising its affordable plans, easy online purchasing, and strong customer support, making it ideal for protecting wedding investments.

These accolades reflect BriteCo’s leadership in the jewelry and wedding/event insurance sector, particularly for its high-value coverage, outstanding customer and claims service, and innovative technology-driven solutions.

Leadership

Dustin Lemick, CEO, G.G.

“We started BriteCo on a mission to fix the broken aspects of jewelry insurance — and have extended it to include wedding/event insurance. Our vision is clear: create solutions that cover the entire lifecycle of jewelry and event insurance—from the ease of getting insured and fair pricing to comprehensive coverage and a seamless claims process. All through the power of technology and human empathy.

The BriteCo customer experience is specially designed to be fast, accurate, and transparent, eliminating the confusion and frustration often associated with traditional jewelry and event insurance. Our BriteCo team’s deep insurance knowledge serves as a key differentiator, ensuring that BriteCo truly understands the needs of independent retail jewelers, insurance agents, wedding planners, event venues, and most of all, our customers. Above all, we work to ensure that the customer experience is constantly getting better, with BriteCo acting as a “change-maker” in the insurance landscape by providing a superior, value-driven service.

The BriteCo Management Team

Dustin Lemick

Founder & CEO

Ben Mautner

Chief Technology Officer

Conor Redmond

Chief Actuary

John Ortbal

Senior Advisor

Dustin Sitar

Head of Growth

Rachel Akmakjian

Director of Jeweler Relations

Christine Belling

Director of Claims & Customer Success

Ben Glispie

National Agent Sales Lead

Trusted by Leading Industry Partners

BriteCo’s policies are backed by Glencar Insurance Company, an AM Best A+ rated carrier, and Hannover Re, our investor and reinsurance partner, assuring strong financial security and reliability.
BriteCo partners with more than 3,500 jewelry retailers, 4,000+ insurance agents, along with hundreds of wedding venues and planners to ensure its offerings are available wherever and whenever customers need them.

BriteCo has more than 4,000 Independent Insurance Agent partners in the US. BriteCo partners with more than 3,500 independent retail jewelers across the US.

Reviews From Our Clients

BriteCo Jewelry Insurance

5

Perfect Repair in Time for My Wedding! After only having my engagement ring for a few months it was unfortunately damaged in a car wreck. Thank you BriteCo for insuring my ring and making a perfect repair in time for my wedding!

On My Finger in Time for My Wedding! Lena B.

5

Super Easy and Great Customer Support I was very happy that my quote was aligned with my budget for insurance. After receiving my quote, I uploaded my appraisal and took a photo of my item. And that was it - super easy and great customer support

Super Easy and Great Customer Support Gianna C.

5

Very Happy With the Policy Easy and fast online application. Very fast turn around with issued policy. You can view appraisals and view photos of the covered items in the policy that was issued. I am very happy with the policy.

Very Happy With the Policy Beth A.

5

Claim Handled With Care There are kind, empathetic, humans working at this company who understand the emotional toll that comes with losing a precious artifact. No further words other than THANK YOU

TClaim Handled With Care Darien S.

5

Helpful and Friendly Such an easy process to sign up for the insurance! I had a couple of questions, so I called customer service directly. They were very helpful and friendly. The price on the insurance was very competitive too!

Helpful and Friendly Carole I.

5

Easiest Insurance Transaction Ever My easiest insurance transaction ever. Insured my Fiancée's engagement ring. Pricing seemed more than reasonable based on other quotes I received. I highly recommend BriteCo!

Easiest Insurance Transaction Ever Mark S.

5

Process Was Very Smooth A stone fell out of my wife’s ring and BriteCo paid to have it replaced. The process was very smooth and the people were extremely helpful. I highly recommend using their service!

Process Was Very Smooth Joey S.

5

Saving Huge on Our Premiums So fast. So simple. Better Coverage for me and my wife, and we're saving a huge percentage on our premiums. Couldn't be happier with finding BriteCo!

Saving Huge on Our Premiums Katie E.

5

I Saved Several Hundred Dollars It was so easy to insure my jewelry with Briteco! I was nervous about doing everything online, but it worked perfectly and saved me several hundred dollars and gained better coverage. Perfect!

I Saved Several Hundred Dollars Becky S.

Reviews From Our Jeweler Partners

“BriteCo is a phenomenal tool that we use to create an amazing customer experience.”

“BriteCo makes it easy so that no one ever needs to worry—they can get their purchase insured immediately.”

“BriteCo’s free appraisal system is really foolproof and super easy to use.”

“Thanks to BriteCo, we have an appraisal system that saves us time, is there whenever we need it, and it’s free!”

Reviews From Our Agent Partners

Erin O’Hara

Farmers Agent

“So easy to log on to the portal and get started quoting right away.”

Rachel Farmer

Brightway Agent

“BriteCo offers what every agent wants: fast, easy, and affordable coverage for me and my clients.”

Jonathan Vinokur

United Brokerage

“BriteCo has become the leading carrier I turn to for a jewelry risk.”

Brittany Martinez

Independent Agent

“A stand-alone policy from BriteCo policy saves my clients money, and just as important, a claim won’t affect their HO insurance.”