NAICS UNIVERSITY · Free research for insurance agents
Fish and Seafood Retailers
NAICS 445250 · United States · 2022 edition
This industry comprises establishments primarily engaged in retailing fresh, frozen, or cured fish and seafood products not for immediate consumption.
Start the review with products liability.
For Fish and Seafood Retailers, the saved research highlights products liability, premises liability, equipment breakdown. 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 seafood products are sold — fresh, frozen, live, or cured — and what is the approximate peak inventory value?
- Is any on-site processing performed, such as smoking, curing, marinating, or significant filleting for wholesale accounts?
- Are there live shellfish or live fish holding tanks on the premises, and what is their approximate capacity and inventory value?
- Does the operation make any deliveries to wholesale, restaurant, or catering accounts, and are owned or employee vehicles used?
- What refrigeration systems are in use, how old are they, and is there a documented maintenance schedule or back-up power supply?
- Has the operation had any health department violations, customer illness complaints, or product recall events in recent years?
- Is there any on-premises consumption — raw bar, oyster bar, or prepared-to-eat service — that would add a restaurant component?
- How many employees are involved in cutting, portioning, or handling raw product, and what safety equipment and training is in place?
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
Fish and seafood retailers sell fresh, frozen, or cured fish and seafood products directly to consumers for home preparation — not for immediate on-premises consumption. Operations typically involve receiving and storing product in refrigerated cases or live tanks, cutting and portioning to order, and maintaining a wet, chilled retail environment. Some operations also smoke, cure, or marinate product on-site.
Questions to investigate
- What types of seafood products are sold — fresh, frozen, live, or cured — and what is the approximate peak inventory value?
- Is any on-site processing performed, such as smoking, curing, marinating, or significant filleting for wholesale accounts?
- Are there live shellfish or live fish holding tanks on the premises, and what is their approximate capacity and inventory value?
- Does the operation make any deliveries to wholesale, restaurant, or catering accounts, and are owned or employee vehicles used?
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.