NAICS UNIVERSITY · Free research for insurance agents
Dairy Product (except Dried or Canned) Merchant Wholesalers
NAICS 424430 · United States · 2022 edition
This industry comprises establishments primarily engaged in the merchant wholesale distribution of dairy products (except dried or canned).
Start the review with perishable cargo and product liability.
For Dairy Product (except Dried or Canned) Merchant Wholesalers, the saved research highlights perishable cargo and product liability, refrigerated cargo loss, commercial auto and fleet. 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 size and composition of the refrigerated fleet, and what is the average age of refrigeration units?
- Does the operation use any third-party cold storage facilities, and what are the contractual arrangements?
- What is the approximate value of perishable inventory on hand at any given time?
- Are there contractual indemnification or insurance requirements from major retail or food service buyers?
- Has the insured experienced any product spoilage, contamination, or recall events in recent years?
- What is the geographic distribution radius — local, regional, or multi-state?
- For Dairy Product (except Dried or Canned) Merchant Wholesalers, what should the underwriter know about prior product contamination, recall, or spoilage losses of meaningful scale?
- For Dairy Product (except Dried or Canned) Merchant Wholesalers, what should the underwriter know about significant reliance on third-party cold storage facilities not under the insured's direct control?
Activities described by this code
- Butter merchant wholesalers
- Fluid milk (except canned) merchant wholesalers
- Cheese merchant wholesalers
- WHOLESALE TRADE 329
- Ice cream and ices merchant wholesalers
- Cream merchant wholesalers
- Yogurt merchant wholesalers
Other activities to examine
- Merchant wholesale distribution of dried or canned dairy products and dairy substitutes: 424490 — Other Grocery and Related Products Merchant Wholesalers;
- Pasteurizing and bottling milk: 311511 — Fluid Milk 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
Dairy product merchant wholesalers purchase fluid milk, butter, cheese, cream, yogurt, ice cream, and related fresh or refrigerated dairy items from producers and resell them to retailers, food service operators, restaurants, and institutional buyers. Operations typically involve refrigerated warehouse storage, order fulfillment, and delivery via owned or leased refrigerated trucks. This class does not include pasteurizing, manufacturing, or processing — it is distribution only.
Questions to investigate
- What is the size and composition of the refrigerated fleet, and what is the average age of refrigeration units?
- Does the operation use any third-party cold storage facilities, and what are the contractual arrangements?
- What is the approximate value of perishable inventory on hand at any given time?
- Are there contractual indemnification or insurance requirements from major retail or food service buyers?
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.