NAICS UNIVERSITY · Free research for insurance agents
Brick, Stone, and Related Construction Material Merchant Wholesalers
NAICS 423320 · United States · 2022 edition
This industry comprises establishments primarily engaged in the merchant wholesale distribution of stone, cement, lime, construction sand, and gravel; brick; asphalt and concrete mixtures; and/or concrete, stone, and structural clay products.
Start the review with products liability.
For Brick, Stone, and Related Construction Material Merchant Wholesalers, the saved research highlights products liability, commercial auto and trucking, premises liability. 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 materials are distributed — stone, brick, sand and gravel, cement, or a mix?
- Does the operation include any on-site blending, mixing, or processing, or is it strictly distribution?
- How many owned vehicles are in the delivery fleet, and what types — flatbeds, dump trucks, crane trucks?
- Are deliveries made within a local radius, regionally, or across state lines?
- Are any haulers subcontracted, and are their insurance certificates collected?
- What is the typical value of inventory on hand, and how much is stored in open yard versus enclosed warehouse?
- For Brick, Stone, and Related Construction Material Merchant Wholesalers, what should the underwriter know about on-site blending, mixing, or processing of materials, which may shift the classification toward manufacturing?
- For Brick, Stone, and Related Construction Material Merchant Wholesalers, what should the underwriter know about prior products liability losses tied to construction defects or structural failures?
Activities described by this code
Other activities to examine
- Merchant wholesale distribution of refractory brick and other refractory products or industrial sand: 423840 — Industrial Supplies Merchant Wholesalers
- Selling ready-mix concrete: 327320 — Ready-Mix Concrete Manufacturing;
- Quarrying, dredging, and/or beneficiating construction sand and gravel: 212321 — Construction Sand and Gravel Mining
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
These establishments buy and resell brick, stone, cement, lime, sand, gravel, asphalt products, and structural clay products to contractors, builders, and construction firms. Day-to-day operations generally involve receiving bulk or palletized shipments, storing materials in yards or warehouses, and delivering to job sites using owned or contracted trucks. Heavy equipment such as forklifts and front-end loaders is commonly used on premises.
Questions to investigate
- What types of materials are distributed — stone, brick, sand and gravel, cement, or a mix?
- Does the operation include any on-site blending, mixing, or processing, or is it strictly distribution?
- How many owned vehicles are in the delivery fleet, and what types — flatbeds, dump trucks, crane trucks?
- Are deliveries made within a local radius, regionally, or across state lines?
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.