NAICS UNIVERSITY · Free research for insurance agents
Meat and Meat Product Merchant Wholesalers
NAICS 424470 · United States · 2022 edition
This industry comprises establishments primarily engaged in the merchant wholesale distribution of meats and meat products (except canned and packaged frozen) and/or lard.
Start the review with product liability.
For Meat and Meat Product Merchant Wholesalers, the saved research highlights product liability, temperature/cold chain failure, commercial auto. 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 meat products are distributed — fresh, cured, smoked, or specialty items like exotic or wild game meats?
- Does the operation own its delivery fleet, use contract carriers, or both?
- What is the approximate value of perishable inventory on hand at any given time?
- How old is the refrigeration and cold-storage equipment, and what is the maintenance and monitoring program?
- Has the operation ever experienced a product recall, contamination event, or significant spoilage loss?
- What is the geographic distribution radius — local, regional, or multi-state?
- For Meat and Meat Product Merchant Wholesalers, what should the underwriter know about prior product recall, contamination, or foodborne illness claims?
- For Meat and Meat Product Merchant Wholesalers, what should the underwriter know about aging refrigeration equipment with deferred maintenance or repeated breakdown history?
Activities described by this code
Other activities to examine
- Merchant wholesale distribution of packaged frozen meats: 424420 — Packaged Frozen Food Merchant Wholesalers
- Merchant wholesale distribution of canned meats: 424490 — Other Grocery and Related Products Merchant Wholesalers
- Preparing boxed beef from purchased carcasses: 311612 — Meat Processed from Carcasses
- Merchant wholesale distribution of fish and seafood (except canned and packaged frozen): 424460 — Fish and Seafood 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
Meat and meat product merchant wholesalers purchase fresh, cured, smoked, or processed meats and meat byproducts from producers or processors and redistribute them to retailers, foodservice operators, institutions, and other businesses. Day-to-day operations typically involve receiving shipments at refrigerated warehouse facilities, maintaining cold storage, processing orders, and delivering product via owned or contracted refrigerated vehicles. Operations generally do not include significant further processing, though trimming, portioning, or repackaging may occur.
Questions to investigate
- What types of meat products are distributed — fresh, cured, smoked, or specialty items like exotic or wild game meats?
- Does the operation own its delivery fleet, use contract carriers, or both?
- What is the approximate value of perishable inventory on hand at any given time?
- How old is the refrigeration and cold-storage equipment, and what is the maintenance and monitoring program?
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.