Walmart Marketplace Seller Insurance
Walmart Marketplace asks for proof of general and product liability once your sales pass $100,000 in a 12-month period, or sooner if Walmart writes to you. Here is what the certificate must show and how to keep orders moving.
When Walmart asks for insurance
Walmart’s Marketplace Learn guide to its liability insurance policy, last updated December 12, 2025, sets two triggers. The first is gross merchandise value above $100,000 in any 12-month period. The second is a direct notice from Walmart, which can arrive at any sales level. The rule applies to sellers based in the US and to international sellers on the same terms.
Once you cross the line, Walmart emails you and asks for a certificate of insurance in Seller Center. The guide does not print a fixed number of days to respond, so treat that email as the start of the clock and have coverage lined up before it lands. A seller who climbs from $60,000 to $140,000 over a strong fourth quarter reaches the trigger in the middle of peak season, which is a hard time to be shopping for a policy.
The limits and wording Walmart wants
The policy has to include general liability and product liability with limits of $1,000,000 per occurrence and $2,000,000 aggregate. That aggregate is the main difference from Amazon, which asks for $1 million per occurrence and $1 million aggregate. A policy bought only to satisfy Amazon can fall short on Walmart’s aggregate, so read both numbers on the declarations page before you upload anything.
Walmart Inc. has to appear as an additional insured. The guide offers two ways to show it: list Walmart Inc., 702 SW 8th Street, Bentonville, AR 72716-3570 as certificate holder with the attention line printed in Walmart’s guide, or name “Walmart Inc., its subsidiaries and its affiliates” as additional insured in the description of operations. Ask the issuer for the endorsement page as well, because a certificate only reports what the endorsement does. Our guide to additional insured endorsements explains why the two documents travel together.
The name on the certificate has to match Seller Center
Walmart compares the legal business name on the certificate with the legal business name in Seller Center, and it lists a mismatch with your Marketplace Partner ID as a reason for rejection. This trips up sellers who formed an LLC after opening the account, who sell under a trade name, or who run Walmart through a holding company while the policy names the operating company.
Fix it at the source. If the account belongs to Bright Harbor Goods LLC, the named insured on the policy should read exactly the same, punctuation included. A brand name can sit on the policy as a DBA beside the legal name. We like to see a screenshot of the Seller Center business details before a marketplace policy is issued, so the names line up on the first upload.
International sellers meet a version of the same problem. A company registered in Shenzhen, Toronto or Tel Aviv often carries a translated or romanized name in Seller Center, and the policy has to reproduce that spelling exactly, down to words such as Limited, Co. or Ltd.
Uploading the certificate and reading its status
Walmart’s FAQ walks through the upload. Open the Seller Liability Insurance page in Seller Center, choose Upload certificate, add the file, then choose Upload certificate again to finish. The file has to be a PDF of 10MB or less, and the same page gives a seller insurance email address for uploads that keep failing.
After review, the certificate shows one of four statuses: In review, Approved, Rejected or Expired. Walmart names the usual rejection causes as limits below the requirement, a name that does not match the partner ID, missing additional insured wording, an expired certificate, and a certificate that is not yet in effect. That last one catches sellers who upload paperwork for a policy starting next month, so wait for the effective date before you submit.
What happens when coverage lapses
Walmart’s guide says orders and payments can be held until a certificate is received and approved, and that letting coverage lapse on an active vendor number can lead to the account being made inactive. For a seller with stock sitting in Walmart Fulfillment Services, a frozen payout turns into a cash problem within days.
Put the renewal date on your calendar 45 days ahead and ask for the new certificate before the old one runs out. Upload the renewed certificate on the day the new term starts. Sellers on both Amazon and Walmart should send the renewal to both marketplaces together, since each one reviews on its own schedule and neither tells the other.
If the policy moves to a new insurer at renewal, the Walmart endorsement does not travel with it. Hold the new endorsement page up against Walmart’s guide before you upload, because a renewal that quietly drops the Walmart name is one of the easier mistakes to make when a policy changes hands.
What the underwriter asks a Walmart seller
A Walmart Marketplace quote starts with the same questions as any product liability quote. Expect to give gross sales for the past 12 months split by channel, a product list with categories and price points, the manufacturer and country behind each line, and whether you import the goods yourself or buy from a US distributor. Underwriters also ask about returns tied to defects, any injury complaints, and whether each product ships with English warnings and instructions.
If you plan to move into categories with tighter safety rules, such as children’s products, personal care or anything powered by a battery, raise it before the first listing goes live rather than at renewal. A policy written for kitchen storage bins was never priced for a new line of baby monitors, and the Walmart certificate says nothing about which products the insurer has agreed to.
One policy for Walmart, Amazon and your own store
Amazon sellers who expand to Walmart usually want one policy rather than two. That works when the limits meet the stricter of the two requirements and the policy names both marketplaces as additional insured parties. Compare Walmart’s terms with Amazon’s on our Amazon seller insurance requirements page, then build the policy around the higher bar.
Tell the underwriter about every channel you sell through, including your own Shopify store, TikTok Shop and any wholesale accounts. Product liability is rated on total product sales, and a channel left off the application becomes an argument at claim time. Sellers based outside the US face the same Walmart rule, and we place US product liability for them in every market our Amazon seller insurance hub lists.
A few useful answers
Common questions
Does Walmart Marketplace require insurance for new sellers?
Not at sign-up under the published policy. The requirement starts when gross merchandise value passes $100,000 in a 12-month period or when Walmart notifies you directly. Plenty of sellers arrange coverage earlier so the certificate is ready when the email arrives.
Can my Amazon seller policy work for Walmart Marketplace?
Yes, once it carries a $2,000,000 aggregate and adds Walmart Inc. as an additional insured. A policy written to Amazon’s $1 million aggregate needs a higher aggregate before it meets Walmart’s terms.
What file does Walmart accept for the certificate of insurance?
A PDF of no more than 10MB, uploaded on the Seller Liability Insurance page in Seller Center. Walmart emails you when the status changes.
Why did Walmart reject my certificate?
Walmart’s list of causes is short: limits below $1,000,000 per occurrence and $2,000,000 aggregate, a business name that differs from Seller Center, missing additional insured wording, or dates that are expired or not yet in effect. Correct the item and upload a fresh certificate.
Does the Walmart insurance rule apply to sellers outside the US?
Yes. Walmart applies it to US and international sellers alike, on the same sales trigger and limits.