Walmart Sellers Insurance

Walmart Sellers Liability Insurance Quick Quotes From Up To 18 Carriers

With one simple application get multiples quotes, expert advice from an industry veteran, broad coverages, and lowest Amazon Liability prices. Don’t trust an online start up with cut rate coverages for your protection.

Selling on Walmart Marketplace unlocks new growth opportunities, but also comes with risks. Product liability claims, property damage, or compliance issues can threaten your operations. That’s where SADLER Insurance comes in. We specialize in tailored policies for e-commerce sellers, ensuring that Walmart vendors have the protection they need to meet marketplace standards and safeguard their business.

Why Choose SADLER for Walmart Sellers Insurance?

SADLER brings decades of expertise in e-commerce liability coverage. Our specialized solutions ensure that Walmart sellers are compliant, protected, and prepared for any scenario.
  • Expert Advice: Sadler has decades of experience in advising online sellers on getting the right coverage at the right price.
  • Customized Policies: Our experts design insurance plans specific to your product category.
  • Fast Quotes: Get competitive quotes from up to 18 top insurance providers with one simple application.
  • Dedicated Support: Our team offers personalized advice, guiding you through every step of the process.
  • Flexible Payment Plans: Choose from monthly installments to manage your cash flow effectively.
With SADLER, sellers gain more than just coverage—they gain a trusted partner committed to their success on Walmart Marketplace.

Why Walmart Sellers Need Insurance

Walmart sellers face unique risks, from defective product claims to cyber breaches and unexpected accidents. While Walmart’s current insurance requirements are less stringent than Amazon’s, sellers need to stay proactive by securing comprehensive liability coverage. With more marketplaces tightening compliance standards, SADLER Insurance offers the peace of mind you need to focus on growing your business.

Common Risks Faced by Walmart Sellers

  • Product Liability: Harmful or defective products can result in costly lawsuits.
  • Property Damage: Damage during delivery or use can lead to claims.
  • Compliance Issues: Sellers without proper insurance may face account restrictions or suspensions.
Even small claims—such as those under $1,000—can damage your reputation and business. SADLER ensures that you stay protected, compliant, and ready to thrive on Walmart Marketplace.

SADLER’s Coverage Options for Walmart Sellers

Category-Based Insurance Requirements for Walmart Sellers
SADLER provides coverage that aligns with Walmart’s product risk categories. Below is a breakdown of the coverage tiers:
  • Category I: $1M Per Occurrence / $2M Aggregate
    Covers general consumer products without heightened risks. If a product doesn’t fall into any other category, it will be classified here.

 

  • Category II: $5M Per Occurrence / $10M Aggregate
    Higher-risk items require enhanced protection. Products in this category include:
    • Electronics connected to household electricity or rechargeable batteries (excluding heaters).
    • Fire-related items (excluding those powered by gas, liquid, or gel).
    • Children’s products such as car seats, personal care items, and toys.
    • Outdoor equipment designed for riding or elevating the user more than 3 feet.
    • Products applied directly to skin or hair.
    • Safety gear like helmets and life jackets.

 

  • Category III: $10M Per Occurrence / $20M Aggregate
    Products with the highest risk require maximum coverage. This category includes:
    • Fire-related products fueled by liquid, gas, or gel.
    • Prescription medications and dietary supplements.
    • Vehicles and equipment designed for public roadways or supporting automobile weight.
    • Toxic chemicals or substances posing significant health risks.
    • Firearms, ammunition, and associated propellants.
    • Products classified as hazardous due to ignitability, corrosivity, or toxicity.

Food & Drink Insurance Categories

  • Category I(F): $2M Per Occurrence / $4M Aggregate
    Covers food and beverages for general consumption.
  • Category II(F): $5M Per Occurrence / $10M Aggregate
    Includes perishable items such as fresh produce, meat, and dairy, as well as foods for infants and toddlers.
Exemptions
Sellers with annual gross merchandise volume (GMV) under $1,000,000 and no products classified under Category III may be exempt from higher insurance requirements, provided they meet Category I standards at all times.
SADLER provides custom insurance plans to cover all relevant product categories, ensuring sellers are compliant with Walmart Marketplace policies.

What Happens Without the Right Insurance?

Without proper insurance, sellers risk:
  • Account Restrictions: Walmart may limit your store’s visibility or suspend your listings.
  • Financial Exposure: Sellers can be personally liable for product-related claims.
  • Reputation Damage: Uninsured claims, even small ones, can negatively impact customer trust.
Avoid these risks with a SADLER policy, tailored to protect against liabilities at every level.

How Much Does Walmart Sellers Insurance Cost?

The cost of insurance depends on factors such as annual revenue, product category, and risk level and liability limit requirements. Here’s an overview:
  • Low-Risk Products: Liability limits range between $1M Per Occurrence/ $2M Aggregate and $2M Per Occurrence/ $4M Aggregate.
  • Moderate-Risk Products: Liability limits are $5M Per Occurrence/ $10M Aggregate.
  • High-Risk Products: Liability limits are $10M Per Occurrence/ $20M Aggregate.
SADLER offers flexible payment plans, allowing sellers to pay monthly instead of a lump sum.

How to Get Covered with SADLER

  1. Assess Your Products: Identify which insurance category applies to your items.
  2. Request a Quote: Submit one simple application to receive multiple quotes from top insurers.
  3. Add Walmart as an Additional Insured: Ensure compliance by listing Walmart Marketplace on your policy.
  4. Submit Proof of Coverage: Upload your certificate in Seller Central for seamless approval.

FAQs About Walmart Sellers Insurance

Does Walmart Require Insurance for All Sellers? While not yet mandatory for all, having insurance helps you stay ahead of potential policy changes and offers crucial protection against claims.
Can SADLER Cover Products Sold on Multiple Marketplaces? Yes, SADLER’s policies extend to cover products listed on Walmart, Amazon, eBay, and other platforms.
How Can I Lower My Premiums? Bundling product liability and general liability coverage can reduce costs. SADLER also offers tailored advice to help you minimize risks and lower premiums.

Walmart Sellers Can Trust SADLER To Provide The Right Combination Of Insurance Protection And Price

Don’t leave your business vulnerable to unexpected risks. Protect your operations, meet Walmart’s standards, and grow your store confidently with a SADLER insurance policy. Contact us today for a free quote and discover how easy it is to stay compliant and secure your success on Walmart Marketplace.
Click Here To Request A Quote »
Trusted Resources for E-commerce Sellers