Thank you for the response. What would you do if you were having a ring made, were concerened about the diamond not being personally insured for loss, and needed to leave the ring with the jeweler for several weeks? Would you have the stone placed in a temporary setting for later removal and insure it, or not insure the stone and assume the jeweler is insured? Is the risk of damage of setting and removing the stone so great as to negate the benefit of insuring the stone? This may be a judgment call, but your thoughts are appreciated. Thanks