Ozon introduces insurance protection of inventory balances for sellers in case of major emergency events. The launch was announced on March 11, 2026. The mechanics are focused on businesses that keep inventory in the logistics of the marketplace and incur direct losses in case of massive damage in warehouses and in the delivery chain.
The product applies to goods that the seller has transferred to Ozon warehouses or its logistics. Participation is available for the FBO and FBS models. The list of risks includes major accidents: fire, explosions, flooding, natural disasters, transport accidents, robberies. This is an important signal for the market: some of the risks of commodity losses are transferred to a clear financial contour with a predefined procedure and tariff.
A key element of the program is related to settlement. In the description of the service, the emphasis is on payment after checking the documents, without a protracted identification of the reasons and the search for the culprits. Ozon says it will prepare materials on the application, create a list of affected goods, collect confirmations, calculate the damage and accompany the seller until payment is received. Approval of the application is required from the seller.
The financial model looks like a daily rate of 0.007% of the cost of insured goods. Policies are activated from March 11, deactivation is provided through your personal account.
From the point of view of foreign economic activity and supply chain management, this decision affects two areas. The first section is related to the planning of import shipments and the insurance “leverage” in the warehouse: with long logistics and seasonal pickings, sellers include losses from force majeure in the price, working capital and the volume of additional orders. The second section is related to documentary discipline: in case of insurance events, the quality of primary information on delivery, articles, batches, cost and movements in warehouses is critical. It makes sense for sellers to build a single accounting outline in advance: invoice and cost, linking to shipments, confirmation of transfer to logistics, and document storage regulations.
The practical conclusion for sellers is simple. Insurance becomes a separate line in the unit economy, next to storage, logistics, returns and promotion. The decision to connect should be made based on the share of inventory balances, turnover rate, and sensitivity to losses during peak season. With a high concentration of inventory in the marketplace's warehouses, this tool reduces the risk of a sharp cash gap after a major incident.
