Wildberries has added damage and loss of goods due to terrorist attacks and sabotage to the Order Insurance program. The coverage also includes consequences, such as damage to goods in a fire after falling debris.
The payment limits are set in two figures: up to 50 thousand rubles for one product in the order and no more than 100 thousand rubles for each insured event. The exact amount is calculated by the insurance company, depending on the circumstances.
The protection is valid for three periods: delivery, storage at the pick-up point, and reverse logistics in case of refusal, refund, or non-purchase of an order. The seller's warehouse and the marketplace's warehouse are not included in this list — the order is insured, not the remaining inventory.
The cost is 1.96–5.6% of the product price. Due to the expansion of coverage, tariffs have increased by about 40%. The fee is charged only after the buyer places the order, in the total amount once a day.
Legal entities and sole proprietors registered in Russia and operating under the "Marketplace" and "WB Warehouse" models can connect the service. The service is valid only in the Russian market and applies to orders paid in rubles.
Lawyers pay attention to the construction of the contract. The insurer has the right to determine the list of exclusion risks, and after signing, the client will not be able to change it. If payments in the event of a terrorist attack are excluded, and a terrorism case is initiated after the incident, there may be no compensation, says Natalia Kolerova, a lawyer and partner in the corporate practice of the Vertical Law Firm.
On the same Friday, the platform announced the launch of a program of partner hubs for storing, processing and shipping sellers' goods.
What the seller should do. Counting the economy: 1.96–5.6% of the product price for each order is a noticeable line, especially in categories with low margins. Read the list of exceptions in the contract before connecting, not after the insured event. Keep in mind that the coverage covers the order on the way and in the storage area, and the remnants in warehouses remain outside the perimeter — they require separate property insurance.
Similar materials on the website
- Yandex Market has absolved itself of responsibility for warehouse losses — why insurance has become a mandatory topic for sellers
- The second tranche of WB payments: 97 thousand sellers received the money — compensation, which the platform pays according to its decision
