NAICS UNIVERSITY · Free research for insurance agents
Motorcycle, ATV, and All Other Motor Vehicle Dealers
NAICS 441227 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in retailing new and/or used motorcycles, motor scooters, motorbikes, mopeds, off-road all-terrain vehicles (ATV), personal watercraft, utility trailers, and other motor vehicles (except automobiles, light trucks, recreational vehicles, and boats) or retailing these new vehicles in combination with activities, such as repair services and selling replacement parts and accessories.
Start the review with open-lot / dealer inventory.
For Motorcycle, ATV, and All Other Motor Vehicle Dealers, the saved research highlights open-lot / dealer inventory, garagekeepers, completed operations. 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 vehicles does the dealership carry — motorcycles only, or also ATVs, personal watercraft, snowmobiles, trailers, or aircraft?
- What is the estimated peak inventory value on the lot, and how does it vary by season?
- Does the dealership operate a service department, and approximately how many customer vehicles are on-premises at any given time?
- Are demo rides or test rides offered, and if so, are they conducted on-road, off-road, or both?
- Does the dealership offer vehicle rentals or maintain a loaner or demo fleet?
- Is there any buy-here-pay-here financing, consignment sales, or significant auction activity?
- What is the nature and value of parts and accessories inventory held on-site?
- Any prior losses related to open-lot inventory, garagekeepers, or completed operations?
Activities described by this code
- All-terrain vehicle (ATV) dealers
- Motorcycle dealers
- Moped dealers
- Motorcycle parts and accessories dealers
- Personal watercraft dealers
- Aircraft dealers
- Snowmobile dealers
- Powered golf cart dealers
- Utility trailer dealers
Other activities to examine
- Retailing new automobiles and light trucks: 441110 — New Car Dealers
- Retailing used automobiles and light trucks: 441120 — Used Car Dealers
- Retailing new or used recreational vehicles, such as travel trailers: 441210 — Recreational Vehicle Dealers
- Retailing new or used boats, outboard motors, boat trailers, and marine supplies: 441222 — Boat Dealers
- Retailing new nonmotorized bicycles: 459110 — Sporting Goods Retailers
- Retailing used nonmotorized bicycles: 459510 — Used Merchandise Retailers;
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
Motorcycle, ATV, and powersports dealers sell new and used motorcycles, scooters, mopeds, ATVs, personal watercraft, snowmobiles, utility trailers, powered golf carts, and in some cases aircraft. Most dealerships also operate a service department for repair and maintenance, carry parts and accessories for retail, and may offer financing and extended service contracts through F&I operations. Customer vehicles are frequently left on-premises for service, and demo or floor models are often available for test rides.
Questions to investigate
- What types of vehicles does the dealership carry — motorcycles only, or also ATVs, personal watercraft, snowmobiles, trailers, or aircraft?
- What is the estimated peak inventory value on the lot, and how does it vary by season?
- Does the dealership operate a service department, and approximately how many customer vehicles are on-premises at any given time?
- Are demo rides or test rides offered, and if so, are they conducted on-road, off-road, or both?
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.