Hi Lauren,
I know you'll probably have done this by now - but if it helps anyone else, I think Home Protect might be worth looking at (underwritten by Axa).
I don't sell anything - but it never occurred to me that home insurance would be the reason I couldn't if I wanted to. Out of curiosity I had a bit of a Google - Home Protect do allow business use that's outside the scope of office and admin, and they have "Precious Metals & Gemstones" as one of their stock categories (promising). Looks like they do Public Liability (but not Product Liability), and they do cover 'business equipment' - more checking would be required to see exactly what would be covered in terms of tools.
You have to talk to them by phone (their website will do an estimated quote for a home jeweller but then they say they'll call you to discuss). From the estimated quote thingie they looked pretty reasonable tho.
Faith
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