NAICS UNIVERSITY · Free research for insurance agents
Beer and Ale Merchant Wholesalers
NAICS 424810 · United States · 2022 edition
This industry comprises establishments primarily engaged in the merchant wholesale distribution of beer, ale, porter, and other fermented malt beverages.
Start the review with commercial auto.
For Beer and Ale Merchant Wholesalers, the saved research highlights commercial auto, liquor liability, workers' compensation. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many delivery vehicles are in the fleet, and what types — straight trucks, semis, vans?
- What is the total warehouse square footage and approximate inventory value, including refrigerated product?
- What states does the operation distribute into, given variance in dram shop statutes?
- What is the driver hiring and MVR review process, and what is typical driver tenure?
- Has the operation had any commercial auto, workers' comp, or liquor liability claims in the past three to five years?
- Is the warehouse owned or leased, and who maintains the refrigeration equipment?
- For Beer and Ale Merchant Wholesalers, what should the underwriter know about significant prior commercial auto losses, especially fleet-wide frequency or single-event severity?
- For Beer and Ale Merchant Wholesalers, what should the underwriter know about high driver turnover or cdl drivers with adverse mvr history?
Activities described by this code
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
Beer and ale merchant wholesalers purchase fermented malt beverages from breweries and import agents, store product in bonded or licensed warehouse facilities, and distribute to retailers, bars, restaurants, and other licensed accounts via company-owned delivery fleets. Operations typically include receiving, inventory management, cold-storage, order picking, and route delivery with driver-salespeople or dedicated delivery crews.
Questions to investigate
- How many delivery vehicles are in the fleet, and what types — straight trucks, semis, vans?
- What is the total warehouse square footage and approximate inventory value, including refrigerated product?
- What states does the operation distribute into, given variance in dram shop statutes?
- What is the driver hiring and MVR review process, and what is typical driver tenure?
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.