NAICS UNIVERSITY · Free research for insurance agents
Clothing and Clothing Accessories Merchant Wholesalers
NAICS 424350 · United States · 2022 edition
This industry comprises establishments primarily engaged in the merchant wholesale distribution of clothing and clothing accessories.
Start the review with commercial property / inventory.
For Clothing and Clothing Accessories Merchant Wholesalers, the saved research highlights commercial property / inventory, inland marine / cargo, products 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 is the estimated peak and average inventory value on premises at any given time?
- What percentage of merchandise is sourced internationally, and from which regions?
- Does the operation perform any alteration, labeling, repackaging, or light manufacturing on the premises?
- Are there any fur, leather, luxury, or high-value accessory lines in the product mix?
- What is the warehouse construction type and sprinkler status?
- Are supplier indemnification agreements in place for products sourced from overseas manufacturers?
- For Clothing and Clothing Accessories Merchant Wholesalers, what should the underwriter know about significant international sourcing without documented supplier quality controls or indemnification agreements?
- For Clothing and Clothing Accessories Merchant Wholesalers, what should the underwriter know about fur, exotic skin, or high-value luxury accessories with per-unit values exceeding standard program sublimits?
Activities described by this code
- Baby bottles merchant wholesalers
- Diapers (except disposable) merchant wholesalers
- Dresses merchant wholesalers
- Fur clothing merchant wholesalers
- Handbags merchant wholesalers
- Hosiery merchant wholesalers
- Lingerie merchant wholesalers
- Millinery merchant wholesalers
- Nightwear merchant wholesalers
- Outerwear merchant wholesalers
- Sportswear merchant wholesalers
- Swimwear merchant wholesalers
Other activities to examine
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
Clothing and clothing accessories merchant wholesalers purchase apparel and accessories from manufacturers or importers and resell to retailers, boutiques, or other downstream buyers. Day-to-day operations typically involve receiving, warehousing, order picking, and shipping — with limited to no alteration or manufacturing. Many operations source internationally, creating cargo and transit exposure across the supply chain.
Questions to investigate
- What is the estimated peak and average inventory value on premises at any given time?
- What percentage of merchandise is sourced internationally, and from which regions?
- Does the operation perform any alteration, labeling, repackaging, or light manufacturing on the premises?
- Are there any fur, leather, luxury, or high-value accessory lines in the product mix?
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.