I purchased a diamond and am ready to send it to David Klass to be set. Do I need to also get a Jewelers Mutual policy to cover the stone while it's being set? David provided me with an insured UPS label and said that the diamond will be insured by his policy when it arrives. Is is still necessary to get another policy on my own? Especially because JM said it would take 5-7 days before they are able to issue the policy. Thanks!