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Will Wal-Mart Ever Sell Workers Compensation Insurance?


Does Wal-Mart Sell Workers Compensation Insurance – Not Yet

Will  Wal-Mart Sell Workers Compensation coverage now that they are selling car insurance?

One of the major subjects in the insurance buzz-wires over the last week was that Wal-Mart is now selling car insurance.  Actually, they are brokering other insurance companies as an agency.

two dollars Sell Workers Compensation bundled
Wikimedia Commons – Ildar Sagdejev

What businesses would be targeted for Workers Comp?  They already have a large database of those companies- think Sam’s Club.  Sam’s Club has over 47,000,000 members and is the US’s eighth largest retailer.  Those numbers do not even count in the Wal-Mart shoppers.

The 47,000,000 are not all business members.  The number of business shopping at Sam’s must be staggering.   Also, Sam’s does ask how many employees are in each of the companies that apply for Sam’s Business cards and accounts.

How many non-Sam’s Club small business owners shop in Wal-Mart?  As one can see, the market for cheap Workers Comp insurance could be a viable space for any large chain.  The buying power of the agency Wal-Mart runs would be enormous.

Wal Mart Sell Workers Compensation Exterior
Wikimedia Commons – Sven

Check the second provided link in this article to see the agency that Wal-Mart will use for car insurance.  The agency’s owner has a track record of providing goods and services in the past to Wal-Mart.   The company has made it over the first critical hurdle of establishing a vendor relationship.  That is not an easy task.

Agents and brokers should keep their eye on them as they may have very stiff competition very soon in the world of business insurance.

Business liability and owner’s policies could be another ripe area for Wal-Mart to exploit.  If there is a profit in it, they may just give business insurance coverage a shot in the near future.

Update – As of 2018, Walmart has not shown a desire to jump in the markets to sell workers compensation insurance.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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