NAICS UNIVERSITY · Free research for insurance agents
Household Appliances, Electric Housewares, and Consumer Electronics Merchant Wholesalers
NAICS 423620 · United States · 2022 edition
This industry comprises establishments primarily engaged in the merchant wholesale distribution of household- type gas and electric appliances (except water heaters and heating stoves (i.e., noncooking)), room air-conditioners, and/or household-type audio or video equipment.
Start the review with products liability.
For Household Appliances, Electric Housewares, and Consumer Electronics Merchant Wholesalers, the saved research highlights products liability, commercial property / inland marine, warehouse legal 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 product categories make up the majority of inventory — appliances, consumer electronics, small housewares, or a mix?
- Is the operation primarily domestic-sourced, or does it involve significant direct import or private-label manufacturing?
- What is the peak inventory value on-hand at any single warehouse location?
- Are there any third-party goods stored on premises, or is all inventory owned by the insured?
- Does the insured own or operate delivery vehicles, or is distribution handled entirely through third-party carriers?
- For Household Appliances, Electric Housewares, and Consumer Electronics Merchant Wholesalers, what should the underwriter know about significant import or private-label sourcing from overseas manufacturers with limited quality-control documentation?
- For Household Appliances, Electric Housewares, and Consumer Electronics Merchant Wholesalers, what should the underwriter know about gray-market, refurbished, or non-oem goods in the product mix?
- For Household Appliances, Electric Housewares, and Consumer Electronics Merchant Wholesalers, what should the underwriter know about prior product liability claims tied to specific appliance or electronics categories?
Activities described by this code
- Household-type sewing machines merchant wholesalers
- Household-type radios (including automotive) merchant wholesalers
- Household-type video cameras merchant wholesalers
- WHOLESALE TRADE 317
- Household-type refrigerators merchant wholesalers
- Television sets merchant wholesalers
- Toothbrushes, electric, merchant wholesalers
- Curling irons, electric, merchant wholesalers
Other activities to examine
- Merchant wholesale distribution of gas and electric water heaters and heating stoves (i.e., noncooking): 423720 — Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Wholesalers
- Selling and installing warm air heating and air-conditioning equipment: 238220 — Plumbing, Heating, and Air-Conditioning Contractors
- Merchant wholesale distribution of nonhousehold-type video cameras: 423410 — Photographic Equipment and Supplies Merchant Wholesalers;
- Selling video security systems and providing system installation, repair, or monitoring services (except closed-circuit (CCTV)): 561621 — Security Systems Services (except Locksmiths)
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 household appliances, consumer electronics, and electric housewares from manufacturers and resell them to retailers, other distributors, or commercial buyers. Day-to-day operations typically involve receiving, warehousing, and shipping goods — refrigerators, televisions, small kitchen appliances, personal-care electronics — with inventory cycling through distribution centers and moving via common carrier or owned fleets.
Questions to investigate
- What product categories make up the majority of inventory — appliances, consumer electronics, small housewares, or a mix?
- Is the operation primarily domestic-sourced, or does it involve significant direct import or private-label manufacturing?
- What is the peak inventory value on-hand at any single warehouse location?
- Are there any third-party goods stored on premises, or is all inventory owned by the insured?
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.