NAICS UNIVERSITY · Free research for insurance agents
Industrial and Personal Service Paper Merchant Wholesalers
NAICS 424130 · United States · 2022 edition
This industry comprises establishments primarily engaged in the merchant wholesale distribution of kraft wrapping and other coarse paper, paperboard, converted paper (except stationery and office supplies), and/or related disposable plastics products.
Start the review with commercial property.
For Industrial and Personal Service Paper Merchant Wholesalers, the saved research highlights commercial property, products liability, inland marine / cargo. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What is the approximate total value of inventory on hand at peak, and is the warehouse sprinklered?
- Does the operation use an owned delivery fleet, third-party carriers, or a mix — and are cargo values tracked per shipment?
- What product categories make up the largest share of revenue — industrial paper, food-service disposables, sanitary products, or other?
- Are there any food-contact or FDA-regulated products in the mix, and does the business carry supplier indemnification agreements?
- How many warehouse employees and drivers are on payroll, and is there a formal safety or driver qualification program?
- For Industrial and Personal Service Paper Merchant Wholesalers, what should the underwriter know about owned fleet of heavy-duty trucks or more than a handful of vehicles without a formal driver qualification and fleet safety program?
- For Industrial and Personal Service Paper Merchant Wholesalers, what should the underwriter know about high concentration of food-contact disposables in the product mix without adequate products liability limits or supplier indemnification agreements?
- For Industrial and Personal Service Paper Merchant Wholesalers, what should the underwriter know about warehouse construction not equipped with adequate sprinkler systems given paper and plastics fire loading?
Activities described by this code
- Corrugated paper merchant wholesalers
- Paper and disposable plastics tableware (e.g., utensils, dishes, cups) merchant wholesalers
- Paper napkins merchant wholesalers
- Paperboard and disposable plastics boxes and containers merchant wholesalers
- Plastics bags merchant wholesalers
- Paper and disposable plastics shipping supplies merchant wholesalers
- Paper towels merchant wholesalers
- Paper bags merchant wholesalers
- Sanitary paper products merchant wholesalers
- Wrapping paper (except gift wrap) merchant wholesalers
- Waxed paper merchant wholesalers
- Plastics foam products, disposable (except packaging, packing), merchant wholesalers
Other activities to examine
- Merchant wholesale distribution of stationery, office supplies, and/or gift wrap: 424120 — Stationery and Office Supplies Merchant Wholesalers;
- Merchant wholesale distribution of plastics foam packing and packaging materials: 423840 — Industrial Supplies Merchant Wholesalers
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 industrial papers, corrugated products, disposable plastics tableware, sanitary paper products, bags, wrapping papers, and related converted paper goods to commercial and institutional customers — without manufacturing the products themselves. Day-to-day operations involve receiving bulk shipments, warehousing inventory, order picking and packing, and outbound delivery to buyers such as food service operators, retailers, manufacturers, and institutions.
Questions to investigate
- What is the approximate total value of inventory on hand at peak, and is the warehouse sprinklered?
- Does the operation use an owned delivery fleet, third-party carriers, or a mix — and are cargo values tracked per shipment?
- What product categories make up the largest share of revenue — industrial paper, food-service disposables, sanitary products, or other?
- Are there any food-contact or FDA-regulated products in the mix, and does the business carry supplier indemnification agreements?
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.