Seller insurance requirements
Do you need insurance to sell on Walmart Marketplace?
Yes, conditionally. Walmart Marketplace requires a Certificate of Insurance with general and product liability once your sales exceed $100,000 in gross merchandise value over any 12-month period, or whenever Walmart notifies you directly. Limits must be at least $1,000,000 per occurrence and $2,000,000 aggregate, naming Walmart Inc. as additional insured.
42%
average savings
$26
starting monthly
Same day
marketplace-ready COI
The requirement
Walmart Marketplace at a glance.
What Walmart Marketplace does and does not require, and what your buyers may ask for even when the platform is silent. Confirm against the current seller agreement before you rely on it.
Insurance required?
Insurance required
When it applies
Once GMV exceeds $100,000 in any rolling 12-month period, or whenever Walmart requests a COI directly.
Minimum limits
$1,000,000 per occurrence and $2,000,000 aggregate, general and product liability, covering claims worldwide.
Additional insured
Walmart Inc., its subsidiaries, and its affiliates.
Carrier rating
A reputable, financially sound insurer (Walmart reviews the COI on submission).
Deductible cap
Not fixed by Walmart, but the COI must be approved before it is accepted.
COI deadline
Submit and get the COI approved once notified; orders and payments can be held until then.
Named insured
Legal business name on the certificate must match your Walmart Seller Center name.
When you actually need it
What triggers a coverage request.
The policy pieces that matter for Walmart Marketplace sellers are commercial general liability, product liability (worldwide). These are the moments that create the need in practice.
01
Your GMV passes $100,000 over a rolling 12-month window
02
Walmart notifies you directly to submit a Certificate of Insurance
03
You expand from Amazon or Shopify onto Walmart Marketplace
04
A category review flags product-safety or labeling risk
The exposure
What happens if you skip it.
If Walmart requests a COI and you cannot provide compliant coverage, orders and payments can be withheld until the certificate is received and approved. You also carry the full cost of any product-liability claim yourself.
By the numbers
Why the coverage is worth it.
Walmart Marketplace keeps growing, and so does product-liability exposure. A single defective-product claim can cost more than years of premium. These are the numbers behind the requirement.
150,000+
third-party sellers on Walmart Marketplace, growing roughly 32% year over year
Marketplace Pulse$10K–$500K
typical pre-trial product-liability settlement range, with jury verdicts running into the millions
Insurance Information Institute — product liability facts~67%
of product-liability cases end in a settlement paid to the plaintiff
Insurance Information Institute — product liability facts48%
of U.S. commercial tort costs are carried by small businesses — about $160 billion a year
U.S. Institute for Legal ReformHow Assureful helps
A Walmart Marketplace-ready policy, priced on real sales.
Assureful connects to your store, prices product liability from your real monthly sales, and issues a marketplace-ready Certificate of Insurance with the required additional-insured wording, usually the same day.
Start a free quoteFree quote
See your Walmart Marketplace price in minutes.
No calculator gymnastics. Enter your email, connect your store, and get product liability insurance priced on your real sales, with a marketplace-ready Certificate of Insurance the moment Walmart Marketplace or a buyer asks for one.
- Starts at $26/mo, about 42% less than comparable A-rated insurers
- Same-day COI with the right additional-insured wording
- No long forms and no annual-forecast guesswork
From $26/mo
Pay-as-you-sell insurance
- A-rated underwriters
- 42% less than comparable A-rated insurers (avg)
- Quote in 2 minutes
- No annual forecasts
- Cancel anytime
No obligation. Cancel anytime.
Questions
Walmart Marketplace seller insurance FAQ.
Does Walmart Marketplace require sellers to have insurance?+
Yes, once you exceed $100,000 in gross merchandise value over any 12-month period, or when Walmart notifies you directly. You then have to submit a Certificate of Insurance with general and product liability coverage for approval.
What insurance limits does Walmart require?+
At least $1,000,000 per occurrence and $2,000,000 aggregate, covering both general and product liability worldwide, with Walmart Inc., its subsidiaries, and its affiliates named as additional insured.
What happens if I do not submit a COI to Walmart?+
Walmart can withhold your orders and payments until an approved Certificate of Insurance is on file, so a missing COI can effectively pause your ability to earn on the marketplace.
Other marketplaces
Requirements on the platforms you sell next.
Sources
Where these requirements come from.
Requirements as documented as of 2026-07. Marketplace terms change, so confirm against Walmart Marketplace's current seller agreement before you rely on this page.
Start now
Get Walmart Marketplace-ready coverage in 2026.
Connect your store, answer a few questions, and get a marketplace-ready Certificate of Insurance with the additional-insured wording buyers ask for.
Start a free quote