NAICS UNIVERSITY · Free research for insurance agents
Home Furnishing Merchant Wholesalers
NAICS 423220 · United States · 2022 edition
This industry comprises establishments primarily engaged in the merchant wholesale distribution of home furnishings and/or housewares.
Activities described by this code
- Carpet merchant wholesalers
- Floor coverings (except wood flooring) merchant wholesalers
- Glassware, household-type, merchant wholesalers
- Chinaware, household-type, merchant wholesalers
- Lamps (i.e., lighting fixtures) merchant wholesalers
- Household-type cooking utensils merchant wholesalers
Other activities to examine
Census classification reference
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Compare another operationInsurance operations research — draft
Home furnishing merchant wholesalers purchase finished goods — such as carpet, floor coverings, lamps, glassware, chinaware, and household utensils — from manufacturers and resell them to retailers, interior designers, contractors, or other businesses. Day-to-day operations typically involve warehouse storage, inventory management, order fulfillment, and outbound freight coordination, often with significant inbound shipments from domestic or overseas suppliers.
Questions to investigate
- What product categories make up the majority of sales — soft goods like carpet, hard goods like glassware, or a mix?
- What percentage of inventory is sourced from overseas manufacturers, and are supplier indemnification agreements in place?
- What is the peak inventory value on hand, and is the warehouse sprinklered?
- Are there owned delivery vehicles, and does the operation use owner-operators or third-party carriers for freight?
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.