At a glance
- Organization
- BriteCo
- Type
- Insurtech / digital insurance platform
- Founded
- 2017
- Base / focus
- Evanston, Illinois
- Specialty
- Jewelry and watch insurance
- Official site
- Visit BriteCo
Who is BriteCo?
BriteCo is a U.S. insurance technology company founded in 2017 by third-generation jeweler Dustin Lemick and headquartered in Evanston, Illinois. It specializes in standalone insurance for fine jewelry and luxury watches, plus wedding and special-event coverage, sold online, through independent agents, and at jewelry retailers.
BriteCo focuses on a gap inside many homeowners and renters policies: jewelry and watches are often capped by special limits, and a claim on the home policy can follow the household. BriteCo sells standalone coverage meant to travel with the item.
The company describes itself as an insurance technology firm. Customers can buy online, through independent agents, at checkout with selected jewelers, or through wedding venues and planners.
Key facts
- Founded in 2017 by Dustin Lemick, a third-generation retail jeweler
- Headquartered at 805 Greenwood Street, Evanston, Illinois
- Specializes in standalone jewelry, watch, and wedding or event insurance
- Covers loss, theft, damage, and mysterious disappearance, with worldwide protection as marketed
- Describes standard jewelry policies as having no deductible and limits up to 125% of appraised value
- Sold direct, through independent agents, and at the point of sale with jewelers
History
Dustin Lemick, a third-generation retail jeweler, founded BriteCo in 2017 to make jewelry insurance faster to buy than a traditional scheduled-item process.
The company is based in Evanston, Illinois, outside Chicago. Its about page describes distribution through thousands of independent agents and more than 3,500 retail jewelers, in addition to direct online purchase.
Products BriteCo offers
BriteCo’s public product set is narrow on purpose:
- Jewelry and luxury watch insurance for loss, theft, damage, and mysterious disappearance
- Worldwide coverage, described as applying 24 hours a day
- Standard policies described with no deductible
- Coverage described at up to 125% of appraised value
- Wedding and special-event insurance
- A separate policy from homeowners or renters, so a jewelry claim is handled on its own form
Who BriteCo serves
BriteCo serves people who own fine jewelry or luxury watches, and people planning a wedding or other milestone event.
Independent agents, retail jewelers, and wedding professionals are the distribution partners. A homeowners schedule from another carrier can still be the better tool for a mixed collection of art, instruments, and jewelry.
Coverage focus with Epic and Easy
We look at BriteCo when clients need:
- Standalone coverage for an engagement ring, watch, or jewelry collection
- A policy that is separate from the homeowners or renters contract
- Worldwide theft, loss, damage, and mysterious-disappearance protection as BriteCo markets it
- A comparison with scheduling the item on a homeowners policy
Who it’s for in Virginia
BriteCo can fit Virginia clients whose jewelry or watch value sits above a homeowners special limit, or who want that claim kept off the home policy.
Broader scheduled-property needs — fine art, cameras, instruments, or a mixed collection — may belong on a valuables form with another carrier. We compare both paths.
How Epic and Easy helps
We ask what the piece is, how it was appraised, and whether it is already scheduled on a home or renters policy. Then we check BriteCo against the scheduling options on the carriers we already write for the household.
Appraisal method, deductible, and whether a claim touches the home policy are the details we confirm on the quote. We do not publish sample jewelry premiums on this page.
BriteCo FAQs
What does BriteCo insure?
BriteCo specializes in standalone insurance for fine jewelry and luxury watches, and it also offers wedding and special-event coverage.
When was BriteCo founded?
BriteCo was founded in 2017 by Dustin Lemick, a third-generation jeweler. The company is based in Evanston, Illinois.
Is BriteCo jewelry coverage part of a homeowners policy?
BriteCo describes its jewelry policies as standalone. A claim is handled on that policy rather than on a homeowners or renters contract.
Does BriteCo cover mysterious disappearance?
BriteCo says jewelry and watch policies cover loss, theft, damage, and mysterious disappearance, with worldwide protection. Confirm the wording on the quote you are offered.
Is there a deductible?
BriteCo describes standard jewelry policies as having no deductible, and coverage up to 125% of appraised value. Those features apply as stated on the policy you buy, not as a blanket promise for every item.
Can Epic and Easy quote BriteCo?
When we are appointed and the item qualifies, we can compare BriteCo with scheduling the jewelry on a homeowners or valuables policy.
Sources & methodology
This profile summarizes publicly available information from the organization’s official website and related authoritative pages. Product lists describe what the organization markets broadly and do not guarantee availability through Epic and Easy in every ZIP or risk class.
Coverage, eligibility, pricing, and underwriting rules vary by state, product, and applicant. We do not invent AM Best scores, claim counts, or proprietary premiums on this page.
Advertiser Disclosure: Epic and Easy may be compensated when you request a quote or purchase coverage through our agency relationships. Compensation may influence which products we can offer. Carrier availability varies by product, ZIP, and underwriting. Product lists on this page describe what BriteCo markets broadly and do not guarantee that every product is available through Epic and Easy in every location. This page does not invent ratings, claim counts, or proprietary premiums.