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Do Walmart Suppliers Need Insurance?
Walmart requires its suppliers who sell goods in the United States to have small business insurance.1 Walmart liability insurance can help protect your small business from costly claims and legal expenses. And having the right coverages and endorsements in your insurance policy will make it clear whose insurance company is liable for damages in the event of any conflict.
Get a small business insurance quote today and see how we can help protect you while selling through Walmart.
What Types of Walmart Insurance Coverage Are There?
Businesses that sell their products at Walmart stores or online must have these types of Walmart insurance coverages:
- General Liability Insurance
- Commercial Umbrella Insurance
- Product Liability Insurance
- Workers’ Compensation Insurance
- Commercial Auto Insurance
Walmart requires many of these policies to have a minimum $1 million limit per occurrence. They also require sellers to provide certificates of insurance.2
What Does Walmart Liability Insurance Cover?
Walmart Liability Insurance protects your small businesses from unexpected risks while selling your goods at Walmart. For example, if your delivery van causes an accident at a Walmart parking lot, you could be sued for property damages. The right insurance coverage can help you pay for legal expenses and out of pocket costs.
- General Liability Insurance – helps protect your business from claims of bodily injury or property damage.
- Commercial Auto Insurance – helps cover the costs of an accident if you or your employees drive a company-owned vehicle. This coverage is especially important if your employees make deliveries to Walmart stores.
- Workers’ Compensation Insurance – pays benefits to your employees as they recover from a work-related injury or illness.
- Product Liability Insurance – as part of a general liability insurance policy, this insurance covers claims of product malfunctions or personal damages caused by faulty operations. The coverage amounts will differ based on the type of product you sell.
How Much Does Walmart Insurance Coverage Cost?
The cost of Walmart insurance coverage can vary based on whether your product is a food item or non-food item, as well as other factors. On average, our customers paid $68 a month for general liability insurance.**
Several factors that can impact your insurance costs include:
- Type of product
- Type of business
- Claims history
- Number of employees
The best way to find out how much Walmart insurance coverage will cost you is to get a quote.
Walmart Liability Insurance That Has Your Back
You can get Walmart liability insurance from The Hartford. We’re an insurance company with over 200 years of experience. We know the unique risks Walmart sellers face and we offer coverages to help business owners like you.
Get a Quote for Walmart Liability Insurance
We’ve helped over 1 million small business owners get the protection they need, and our specialists are here to do the same for you. Get a quote today to learn how The Hartford can help protect your business.
Last Updated: April 11, 2025
1,2 Walmart Supplier Requirements, as viewed on 10/31/22.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.