NAICS UNIVERSITY · Free research for insurance agents
Meat Retailers
NAICS 445240 · United States · 2022 edition
This industry comprises establishments primarily engaged in retailing fresh, frozen, or cured meats and poultry not for immediate consumption. Delicatessen-type establishments primarily engaged in retailing fresh meat are included in this industry.
Start the review with product liability.
For Meat Retailers, the saved research highlights product liability, food spoilage / refrigeration breakdown, premises liability. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- Does the operation include any on-site slaughtering, smoking, or USDA-regulated processing beyond standard retail cutting and portioning?
- What is the average value of perishable inventory on hand at any given time, and how many refrigeration/freezer units are in use?
- Are deliveries made to customers, restaurants, or other businesses — and if so, what vehicles are used?
- Does the shop sell any private-label or packaged products to wholesale accounts or other retailers?
- Is there any prepared-food, hot bar, deli counter with dine-in, or catering component to the operation?
- What is the age and maintenance history of the primary refrigeration and freezer equipment?
- Has the business experienced any prior product liability, food-borne illness, or spoilage claims?
- Are food-handler certifications and temperature log procedures in place for employees?
Activities described by this code
- Baked ham retailers
- Meat retailers
- Butcher shops
- Poultry dealers
- Frozen meat retailers
Other activities to examine
- Retailing a general line of food, such as supermarkets and grocery stores: 445110 — Supermarkets and Other Grocery Retailers (except Convenience Retailers)
- Providing food services in delicatessen-type establishments: 722513 — Limited-Service Restaurants;
- Raising livestock for meat production: 112 — Animal Production and Aquaculture
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 retailers — including butcher shops, poultry dealers, and specialty meat markets — purchase, store, cut, portion, cure, or freeze meat and poultry products for retail sale directly to consumers. Day-to-day operations typically involve cold storage management, on-site butchering and packaging, customer counter service, and sometimes custom orders or light charcuterie work. Some establishments also handle deli-style cured or smoked products.
Questions to investigate
- Does the operation include any on-site slaughtering, smoking, or USDA-regulated processing beyond standard retail cutting and portioning?
- What is the average value of perishable inventory on hand at any given time, and how many refrigeration/freezer units are in use?
- Are deliveries made to customers, restaurants, or other businesses — and if so, what vehicles are used?
- Does the shop sell any private-label or packaged products to wholesale accounts or other retailers?
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.