WooCommerce Product Insurance & Extra Fee per product!

More and more stores cross-sell insurance for the products they offer. It is a very good idea as it can provide you with an additional profit. Insurance companies split profits with the middlemen, which in this case, are the stores. Become one of them! Learn how to let customers buy product insurance with a dynamic extra fee on the WooCommerce product page!

Selling insurance as a separate product may not be intuitive for your customers.

Today, I will show you how to use a WooCommerce plugin to sell insurance with an additional extra fee per product! Let's begin!

Contents

How to add WooCommerce product insurance with a plugin
WooCommerce Product Insurance & Dynamic Extra Fee
Summary & more about the plugin
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How to add a custom product field in WooCommerce? (free plugin)

How to add WooCommerce product insurance with a plugin

I think the best way to cross-sell insurance is to do so on the product page. You will need the free Flexible Product Add-Ons plugin. Follow the steps below!

Install the plugin

Flexible Product Fields WooCommerce

Create a product wizard to sell engravings, gift wrapping, gift messages, business cards, stamps and optionally charge for it (fixed or percentage).
💾 Active Installations: 10,000+ | WordPress Rating:

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10,000+ Active Installations

Last Updated: 2026-08-20

Works with WooCommerce 10.7 - 11.1

💡Note that in order to perform all the actions presented in this guide, you will need the PRO version of the plugin.
Configure the custom fields

Once you've installed and activated the plugin, let's configure it.

Choose Products → Product Fields in your WordPress menu.

Then you need to add a new field group:
Choose the product with insurance

➡️ You need to specify the product(s) for which a customer will be able to order insurance. This is easy.

Select products for WooCommerce extra fee per product

That's how you can add custom fields for your WooCommerce products!

💡 In the free version of Flexible Product Fields, you have to specify products one by one while in the PRO version, you can select either all products from a category or all products in the store.

Let's continue setting the custom fields with the plugin to sell product insurance & charge an extra fee.

WooCommerce Product Insurance & Dynamic Extra Fee

As I said before, I think the best way to cross-sell insurance is to do so on the product page, right before the Add to Cart button. It should not take up too much space on the page. I think that a select field is the best one for this option.

💡 In this example, I will configure a percent price type. You have to buy the PRO version if you want to add insurance costs to the total cost of the product in the cart.

Add an extra fee per product

First, you need to decide about fees per each insurance option🫰🏾. You can do it in the Pricing tab.

WooCommerce dynamic extra fee settings
Dynamic fee per product

➡️ Let's see the product page:

WooCommerce Product Insurance - product page

As you can see, the cost of the insurance extra fee is calculated dynamically based on the new WooCommerce product field configuration:
- Basic Insurance - £1.75 (5% of the product price)
- Advanced Insurance - £3.50 (10% of the product price)
- Ultimate Insurance - £7 (20% of the product price)
➡️ You can see the select field with the following prices:

WooCommerce Product Insurance - select an option
Customers can choose the insurance options

🛒 When a customer adds this product to the cart, it looks like this:

WooCommerce insurance plugin - cart page