NAICS UNIVERSITY · Free research for insurance agents
Warehouse Clubs and Supercenters
NAICS 455211 · United States · 2022 edition
This U.S. industry comprises establishments generally known as warehouse clubs, superstores, or supercenters, primarily engaged in retailing a general line of groceries, including a significant amount and variety of fresh fruits, RETAIL TRADE 355 vegetables, dairy products, meats, and other perishable groceries, in combination with a general line of new merchandise, such as apparel, furniture, and appliances.
Start the review with premises liability.
For Warehouse Clubs and Supercenters, the saved research highlights premises liability, commercial property, products liability. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many locations are included, and what are the square footage and annual revenue figures for each?
- Are fuel stations, auto service centers, or tire installation operations present at any location?
- Does the operation include in-store pharmacy, optical, or hearing aid departments?
- What is the current refrigeration and HVAC system age and maintenance schedule, and are backup generators in place?
- What percentage of total sales comes from perishable food items versus general merchandise?
- Does the operation sell beer, wine, or spirits, and in which states?
- What are the current IT security controls, PCI compliance status, and membership database size?
- What is the prior five-year loss history, particularly for GL, property, and workers' comp?
Activities described by this code
Other activities to examine
- Retailing a general line of groceries, such as supermarkets and grocery stores: 445110 — Supermarkets and Other Grocery Retailers (except Convenience Retailers)
- Retailing a general line of new merchandise, generally known as department stores: 455110 — Department Stores
- Retailing a general line of new merchandise, except department stores, warehouse clubs, superstores, and supercenters: 455219 — All Other General Merchandise Retailers
- Retailing a general line of new home repair and improvement materials and supplies, generally known as home centers: 444110 — Home Centers;
- Retailing used merchandise: 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
Warehouse clubs and supercenters operate large-format retail facilities — typically ranging from 100,000 to 250,000 square feet or more — selling a broad combination of perishable groceries, fresh produce, dairy, and meats alongside general merchandise such as electronics, apparel, furniture, tires, and appliances. Many locations also operate ancillary departments including pharmacies, optical centers, gas stations, auto service bays, food courts, and liquor sections. High daily customer foot traffic, extensive refrigerated systems, large inventory values, and heavy-duty material-handling equipment are characteristic operational features.
Questions to investigate
- How many locations are included, and what are the square footage and annual revenue figures for each?
- Are fuel stations, auto service centers, or tire installation operations present at any location?
- Does the operation include in-store pharmacy, optical, or hearing aid departments?
- What is the current refrigeration and HVAC system age and maintenance schedule, and are backup generators in place?
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.