NAICS UNIVERSITY · Free research for insurance agents
Other Construction Material Merchant Wholesalers
NAICS 423390 · United States · 2022 edition
This industry comprises (1) establishments primarily engaged in the merchant wholesale distribution of manufactured homes (i.e., mobile homes) and/or prefabricated buildings and (2) establishments primarily engaged in the merchant wholesale distribution of construction materials (except lumber, plywood, millwork, wood panels, brick, stone, roofing, siding, electrical and wiring supplies, and insulation materials).
Start the review with products liability.
For Other Construction Material Merchant Wholesalers, the saved research highlights products liability, commercial auto, warehouse 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 specific materials are distributed — flat glass, prefabricated buildings, fencing, ironwork, or a mix?
- Are any materials sold directly into structural or load-bearing applications?
- What is the owned vehicle count, and does the fleet include heavy-duty or flatbed trucks?
- Does the operation involve any installation services, or is it strictly distribution?
- What is the approximate total value of inventory on hand at any given time?
- Are there any manufactured home or prefabricated building distribution activities?
- For Other Construction Material Merchant Wholesalers, what should the underwriter know about distribution of structural components?
- For Other Construction Material Merchant Wholesalers, what should the underwriter know about significant prior products liability or cargo claims?
Activities described by this code
- Flat glass merchant wholesalers
- Prefabricated buildings (except wood) merchant wholesalers
- Ornamental ironwork merchant wholesalers
- Fencing and fencing accessories (except wood) merchant wholesalers
- Plate glass merchant wholesalers
- Storage bins merchant wholesalers
Other activities to examine
- Merchant wholesale distribution of products of the primary metals industries: 423510 — Metal Service Centers and Other Metal Merchant Wholesalers
- Merchant wholesale distribution of lumber; plywood; reconstituted wood fiber products; wood fencing; doors, windows, and their frames; wood roofing and wood siding; and other wood or metal millwork: 423310 — Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers
- Merchant wholesale distribution of stone, cement, lime, construction sand and gravel; brick; asphalt and concrete mixtures (except ready-mix concrete); and/or concrete, stone, and structural clay products: 423320 — Brick, Stone, and Related Construction Material Merchant Wholesalers
- Merchant wholesale distribution of nonwood roofing and nonwood siding and insulation materials: 423330 — Roofing, Siding, and Insulation Material Merchant Wholesalers
- Merchant wholesale distribution of electrical supplies and wiring supplies: 423610 — Electrical Apparatus and Equipment, Wiring Supplies, and Related Equipment Merchant Wholesalers;
- Selling ready-mix concrete: 327320 — Ready-Mix Concrete Manufacturing
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 purchase construction materials — such as flat glass, ornamental ironwork, fencing, prefabricated non-wood buildings, and storage structures — from manufacturers and resell them to contractors, builders, retailers, and industrial buyers. Operations typically involve warehousing, inventory management, and delivery to job sites or customer facilities, often using an owned or leased truck fleet.
Questions to investigate
- What specific materials are distributed — flat glass, prefabricated buildings, fencing, ironwork, or a mix?
- Are any materials sold directly into structural or load-bearing applications?
- What is the owned vehicle count, and does the fleet include heavy-duty or flatbed trucks?
- Does the operation involve any installation services, or is it strictly distribution?
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.