NAICS UNIVERSITY · Free research for insurance agents
Sanitary Paper Product Manufacturing
NAICS 322291 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in converting purchased sanitary paper stock or wadding into sanitary paper products, such as facial tissues, handkerchiefs, table napkins, toilet paper, towels, disposable diapers, sanitary napkins, and tampons.
Start the review with products liability.
For Sanitary Paper Product Manufacturing, the saved research highlights products liability, property, workers' compensation. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What specific products are manufactured — tissue and towels, or absorbent personal hygiene products such as diapers, sanitary napkins, or tampons?
- Are products sold under the insured's own brand, as private label for major retailers, or both?
- What is the approximate value of converting machinery and automated packaging lines at replacement cost?
- Are there dust collection systems, sprinklers, or other fire suppression systems throughout the facility?
- What is the typical on-hand inventory value of raw paper stock and finished goods?
- Has the insured experienced any products liability claims, consumer complaints, or regulatory actions in the prior five years?
- Are there any contractual indemnification obligations to retail chain customers?
- For Sanitary Paper Product Manufacturing, what should the underwriter know about manufacturing of internal-use absorbent products (tampons, menstrual cups, internal medical-adjacent items)?
Activities described by this code
Other activities to examine
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Establishments in this class purchase parent rolls or wadding of sanitary paper stock and convert them into finished consumer products — including facial tissues, toilet paper, paper towels, table napkins, disposable diapers, sanitary napkins, and tampons — through cutting, folding, embossing, laminating, and packaging operations. Finished goods are typically distributed to retail chains, wholesalers, or institutional buyers. Operations tend to be continuous-process and highly automated, with significant machinery investment and large on-site inventories of both raw stock and finished goods. This class typically sits outside standard small-commercial appetite given operational scale and exposure complexity.
Questions to investigate
- What specific products are manufactured — tissue and towels, or absorbent personal hygiene products such as diapers, sanitary napkins, or tampons?
- Are products sold under the insured's own brand, as private label for major retailers, or both?
- What is the approximate value of converting machinery and automated packaging lines at replacement cost?
- Are there dust collection systems, sprinklers, or other fire suppression systems throughout the facility?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.