NAICS UNIVERSITY · Free research for insurance agents
Coal and Other Mineral and Ore Merchant Wholesalers
NAICS 423520 · United States · 2022 edition
This industry comprises establishments primarily engaged in the merchant wholesale distribution of coal, coke, metal ores, and/or nonmetallic minerals (except precious and semiprecious stones and minerals used in construction, such as sand and gravel).
Start the review with environmental liability.
For Coal and Other Mineral and Ore Merchant Wholesalers, the saved research highlights environmental liability, cargo and inland marine, employee injuries. 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 commodities are handled — coal, coke, metal ores, nonmetallic minerals, or a mix?
- Does the operation involve physical storage and handling, or is it primarily a paper/broker intermediary function?
- Are there owned or leased bulk storage yards, silos, or handling facilities, and what is their proximity to waterways or residential areas?
- What modes of transport are used — rail, truck, barge, or a combination?
- Any history of environmental incidents, regulatory notices, or site remediation at current or former locations?
- Are any employees operating heavy equipment such as front-end loaders, conveyors, or rail equipment?
- For Coal and Other Mineral and Ore Merchant Wholesalers, what should the underwriter know about coal or coke handling with outdoor bulk storage in environmentally sensitive areas?
- For Coal and Other Mineral and Ore Merchant Wholesalers, what should the underwriter know about prior environmental claims, epa notices, or site remediation history?
Activities described by this code
Other activities to examine
- Merchant wholesale distribution of nonmetallic minerals used in construction, such as sand and gravel: 423320 — Brick, Stone, and Related Construction Material Merchant Wholesalers
- Merchant wholesale distribution of industrial sand: 423840 — Industrial Supplies Merchant Wholesalers
- Merchant wholesale distribution of crude petroleum: 4247 — Petroleum and Petroleum Products Merchant Wholesalers
- Merchant wholesale distribution of precious and semiprecious stones and metals: 423940 — Jewelry, Watch, Precious Stone, and Precious Metal Merchant Wholesalers;
- 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
Establishments in this class purchase and resell coal, coke, metal ores, and nonmetallic minerals in bulk — typically sourcing from mines or processors and distributing to industrial end users such as steel mills, power generators, or manufacturers. Operations often involve bulk storage yards or warehouses, heavy equipment for loading and unloading, and coordination of rail, barge, or truck shipments.
Questions to investigate
- What specific commodities are handled — coal, coke, metal ores, nonmetallic minerals, or a mix?
- Does the operation involve physical storage and handling, or is it primarily a paper/broker intermediary function?
- Are there owned or leased bulk storage yards, silos, or handling facilities, and what is their proximity to waterways or residential areas?
- What modes of transport are used — rail, truck, barge, or a combination?
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.