NAICS UNIVERSITY · Free research for insurance agents
Electronics and Appliance Retailers
NAICS 449210 · United States · 2022 edition
This industry comprises establishments primarily engaged in one of the following: (1) retailing an array of new household-type appliances and consumer-type electronic products, such as televisions, computers, electronic tablets, and cameras; (2) specializing in retailing a single line of new consumer-type electronic products; (3) retailing these new products in combination with repair and support services; (4) retailing new prepackaged or downloadable computer software (without publishing); and/or (5) retailing prerecorded audio and video media, such as downloadable digital music and video files (without production or publishing), CDs, and DVDs.
Start the review with products liability.
For Electronics and Appliance Retailers, the saved research highlights products liability, completed operations, high-value inventory. 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 store offer delivery, in-home installation, or appliance hookup services — and if so, are those performed by employees or subcontractors?
- Is any repair, warranty-service, or technical support work performed on-site or at customer locations?
- What is the approximate peak inventory value, and are there any high-concentration categories like laptops, phones, or tablets?
- Does the business have owned delivery vehicles, and who are the drivers — employees or third-party couriers?
- Are any gas line connections, electrical panel work, or HVAC installations part of the services offered?
- What security measures are in place — alarm systems, cameras, access controls, after-hours monitoring?
- Does the business process customer payment card data, maintain a customer database, or sell online with e-commerce fulfillment?
- Any prior losses involving inventory theft, delivery accidents, or installation-related property damage?
Activities described by this code
- Appliance retailers, household-type
- RETAIL TRADE 353
- Consumer-type electronics retailers (e.g., televisions, computers, cameras)
- Cellular telephone accessories retailers
- Stereo and sound system retailers (except automotive)
Other activities to examine
- Retailing used appliance and electronic products: 459510 — Used Merchandise Retailers
- Retailing automotive electronic sound systems: 441330 — Automotive Parts and Accessories Retailers
- Retailing new electronic toys, such as dedicated gaming consoles and handheld electronic games: 459120 — Hobby, Toy, and Game Retailers
- Retailing new sewing machines in combination with selling new sewing supplies, fabrics, patterns, yarns, and other needlework accessories: 459130 — Sewing, Needlework, and Piece Goods Retailers
- Retailing new computers, computer peripherals, and prepackaged software in combination with retailing new office equipment, office furniture, and office supplies: 459410 — Office Supplies and Stationery Retailers
- Selling wireless communication service plans and cellular telephones, as agents for wireless telecommunications carriers and resellers: 517122 — Agents for Wireless Telecommunications Services
- Providing television, computer, or other electronic equipment repair services without retailing new televisions, computers, or electronic equipment: 811210 — Electronic and Precision Equipment Repair and Maintenance
- Providing household-type appliance repair services without retailing new appliances: 811412 — Appliance Repair and Maintenance
- Developing film and/or making photographic slides, prints, and enlargements without retailing a range of new photographic equipment and supplies: 81292 — Photofinishing
- Renting prerecorded digital video discs (DVDs): 532282 — Video Tape and Disc Rental
- Publishing and distributing software through subscriptions and/or downloads: 513210 — Software Publishers
- Producing and distributing motion pictures and videos: 512110 — Motion Picture and Video Production;
- Producing records and/or releasing, promoting, and distributing sound recordings to wholesalers, retailers, or directly to the public: 512250 — Record Production and Distribution
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
Electronics and appliance retailers sell new consumer products — televisions, computers, tablets, cameras, refrigerators, washers, dryers, and related goods — from a fixed retail storefront. Many operations also offer delivery and in-home installation, basic repair or warranty-service work, and ancillary accessories or software. Some specialize in a single product category such as cell phone accessories, home audio, or major appliances.
Questions to investigate
- Does the store offer delivery, in-home installation, or appliance hookup services — and if so, are those performed by employees or subcontractors?
- Is any repair, warranty-service, or technical support work performed on-site or at customer locations?
- What is the approximate peak inventory value, and are there any high-concentration categories like laptops, phones, or tablets?
- Does the business have owned delivery vehicles, and who are the drivers — employees or third-party couriers?
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.