NAICS UNIVERSITY · Free research for insurance agents
Boat Dealers
NAICS 441222 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in (1) retailing new and/or used boats or retailing new boats in combination with activities, such as repair services and selling replacement parts and accessories, and/or (2) retailing new and/or used outboard motors, boat trailers, marine supplies, parts, and accessories.
Start the review with open lot / inventory.
For Boat Dealers, the saved research highlights open lot / inventory, marinekeepers, 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 types of watercraft are sold — powerboats, sailboats, personal watercraft, yachts, or a mix — and what is the approximate average unit value of inventory?
- Is there an active service, repair, or rigging department, and what percentage of revenue comes from service versus sales?
- Are customer vessels stored on the premises — dry storage, wet slips, or both — and approximately how many at peak?
- Does the dealership operate from a waterfront or marina location, and is the lot in a flood or coastal windstorm zone?
- Are water demonstrations or sea trials conducted with customer or prospect aboard, and who operates the vessel?
- Are there any consignment vessels taken in for resale, and how are they tracked?
- Does the dealership have a travel lift, forklift, or other specialized material-handling equipment?
- Any prior open-lot, marinekeepers, products liability, or significant GL claims in the past five years?
Activities described by this code
- Boat dealers (e.g., power boats, rowboats, sailboats)
- Outboard motor dealers
- Marine supply dealers
Other activities to examine
- Retailing new surfboards or wind sailboards: 459110 — Sporting Goods Retailers
- Retailing used surfboards or wind sailboards: 459510 — Used Merchandise Retailers
- Providing boat repair services without retailing new boats: 811490 — Other Personal and Household Goods Repair and Maintenance
- Retailing new or used personal watercraft: 441227 — Motorcycle, ATV, and All Other Motor Vehicle Dealers;
- Operating docking and/or storage facilities for pleasure craft owners: 713930 — Marinas
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
Boat dealers retail new and/or used boats, outboard motors, boat trailers, and marine accessories from a fixed lot or showroom — often adjacent to water but not always. Many also perform service, repair, and seasonal storage. Inventory may sit on open lots, inside showroom buildings, or on water in slip storage, and customer water demonstrations are common.
Questions to investigate
- What types of watercraft are sold — powerboats, sailboats, personal watercraft, yachts, or a mix — and what is the approximate average unit value of inventory?
- Is there an active service, repair, or rigging department, and what percentage of revenue comes from service versus sales?
- Are customer vessels stored on the premises — dry storage, wet slips, or both — and approximately how many at peak?
- Does the dealership operate from a waterfront or marina location, and is the lot in a flood or coastal windstorm zone?
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.