NAICS UNIVERSITY · Free research for insurance agents
Fish and Seafood Merchant Wholesalers
NAICS 424460 · United States · 2022 edition
This industry comprises establishments primarily engaged in the merchant wholesale distribution of fish and seafood (except canned or packaged frozen).
Start the review with perishable inventory.
For Fish and Seafood Merchant Wholesalers, the saved research highlights perishable inventory, food safety / products liability, temperature-controlled transit. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What types of product are handled — fresh finfish, live shellfish, crustaceans, or a mix — and are any live species maintained on-site?
- What cold-storage and refrigeration infrastructure is in place, and is there backup power or redundant refrigeration capacity?
- Is distribution primarily local, regional, or does the operation involve interstate or international sourcing and delivery?
- What is the peak and average value of perishable inventory on premises at any given time?
- Does the operation use owned refrigerated vehicles, third-party carriers, or a combination?
- Are there any prior food safety incidents, contamination claims, or regulatory actions?
- For Fish and Seafood Merchant Wholesalers, what should the underwriter know about prior food safety or contamination losses, even if resolved without litigation?
- For Fish and Seafood Merchant Wholesalers, what should the underwriter know about aging refrigeration equipment without documented preventive maintenance or backup power systems?
Activities described by this code
Other activities to examine
- Merchant wholesale distribution of packaged frozen fish and seafood: 424420 — Packaged Frozen Food Merchant Wholesalers
- Merchant wholesale distribution of canned fish and seafood: 424490 — Other Grocery and Related Products 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
Fish and seafood merchant wholesalers purchase fresh, live, or minimally processed fish and seafood from processors, docks, or importers and redistribute to restaurants, grocery retailers, food-service operators, and institutional buyers. Operations typically involve refrigerated or temperature-controlled warehousing, order fulfillment, and delivery via owned or leased refrigerated vehicles. This class excludes canned and packaged frozen product distribution.
Questions to investigate
- What types of product are handled — fresh finfish, live shellfish, crustaceans, or a mix — and are any live species maintained on-site?
- What cold-storage and refrigeration infrastructure is in place, and is there backup power or redundant refrigeration capacity?
- Is distribution primarily local, regional, or does the operation involve interstate or international sourcing and delivery?
- What is the peak and average value of perishable inventory on premises at any given time?
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.