NAICS UNIVERSITY · Free research for insurance agents
Motor Vehicle Supplies and New Parts Merchant Wholesalers
NAICS 423120 · United States · 2022 edition
This industry comprises establishments primarily engaged in the merchant wholesale distribution of motor vehicle supplies, accessories, tools, and equipment; and new motor vehicle parts (except new tires and tubes).
Start the review with products liability.
For Motor Vehicle Supplies and New Parts Merchant Wholesalers, the saved research highlights products liability, inland marine / cargo, commercial property. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What types of parts make up the product mix — are safety-critical components such as brakes, steering, or suspension a significant portion?
- Are any products sourced directly from foreign manufacturers or sold under a private label?
- Does the operation self-deliver with an owned fleet, use third-party carriers, or both?
- What is the estimated peak inventory value on premises at any one time?
- Has the business had any products liability claims or complaints related to part failures?
- Are there any DOT reporting or hazmat requirements associated with the products distributed?
- For Motor Vehicle Supplies and New Parts Merchant Wholesalers, what should the underwriter know about high proportion of safety-critical components?
- For Motor Vehicle Supplies and New Parts Merchant Wholesalers, what should the underwriter know about private-label or import sourcing from manufacturers without documented quality certifications?
Activities described by this code
Other activities to examine
- Merchant wholesale distribution of new and/or used tires and tubes: 423130 — Tire and Tube Merchant Wholesalers
- Merchant wholesale distribution of automotive chemicals (except lubricating oils and greases): 424690 — Other Chemical and Allied Products Merchant Wholesalers
- Merchant wholesale distribution of lubricating oils and greases: 424720 — Petroleum and Petroleum Products Merchant Wholesalers (except Bulk Stations and Terminals);
- Merchant wholesale distribution of used motor vehicle parts: 423140 — Motor Vehicle Parts (Used) Merchant Wholesalers
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
Motor vehicle supplies and new parts wholesalers purchase new automotive parts, accessories, tools, and equipment from manufacturers and resell them to retailers, repair shops, fleet operators, and other commercial buyers. Day-to-day operations typically involve receiving, warehousing, picking, and shipping inventory — often via an owned or leased fleet of delivery vehicles — along with order processing and customer service.
Questions to investigate
- What types of parts make up the product mix — are safety-critical components such as brakes, steering, or suspension a significant portion?
- Are any products sourced directly from foreign manufacturers or sold under a private label?
- Does the operation self-deliver with an owned fleet, use third-party carriers, or both?
- What is the estimated peak inventory value on premises at any one time?
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.