NAICS UNIVERSITY · Free research for insurance agents
Floor Covering Retailers
NAICS 449121 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in retailing new floor coverings, such as rugs and carpets, laminate and vinyl floor coverings, linoleum flooring, and floor tile (except ceramic tile or hardwood floor coverings only); or retailing new floor coverings in combination with installation and repair services.
Activities described by this code
Other activities to examine
- Installing floor coverings without retailing new floor coverings: 238330 — Flooring Contractors
- Retailing new ceramic floor tile or hardwood floor coverings only: 444180 — Other Building Material Dealers;
- Retailing used rugs and carpets: 459510 — Used Merchandise Retailers
Census classification reference
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Compare another operationInsurance operations research — draft
Floor covering retailers operate showrooms where customers browse and select rugs, carpet, laminate, vinyl, linoleum, and tile products. Many also measure customer spaces, quote installed pricing, and dispatch installation crews — employees or subcontractors — to residential and commercial job sites. The business sits at the intersection of retail and contracting, with revenue split between product sales and labor.
Questions to investigate
- What is the approximate split of revenue between product sales only versus installed sales — and how much of that installation is done by employees versus subcontractors?
- Is the work primarily residential, commercial, or a mix — and does the commercial work include any institutional settings like schools, hospitals, or healthcare facilities?
- How is subcontractor insurance verified, and are subcontractors required to provide certificates of insurance naming the retailer as additional insured?
- What is the total inventory value on hand, including warehouse stock, and how is it stored?
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.