NAICS UNIVERSITY · Free research for insurance agents
All Other General Merchandise Retailers
NAICS 455219 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in retailing new and used general merchandise (except department stores, warehouse clubs, superstores, and supercenters). These establishments retail a general line of new and used merchandise, such as apparel, automotive parts, dry goods, groceries, hardware, housewares or home furnishings, and other lines in limited amounts, with none of the lines predominating. This industry also includes establishments primarily engaged in retailing a general line of new and used merchandise on an auction basis.
Start the review with premises liability.
For All Other General Merchandise Retailers, the saved research highlights premises liability, products liability, property. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What merchandise categories make up the majority of inventory — and are any lines imported or sourced from manufacturers without U.S. operations?
- Does the operation include any auction activity, whether regularly scheduled or periodic?
- Are any goods taken on consignment, and if so, how is liability for those goods handled contractually?
- What is the approximate average inventory value on hand, and does it fluctuate significantly by season?
- Are there any owned vehicles used for merchandise transport, delivery, or auction logistics?
- Does the store sell any alcohol, tobacco, or food items, even in limited quantities?
- What security measures are in place — cameras, cash handling procedures, employee screening?
- What is the store's prior loss history, particularly for slip-and-fall or products liability claims?
Activities described by this code
- Dollar stores
- General merchandise (new and used) auction houses
- General merchandise showrooms
- General merchandise trading posts
- General stores
- Home and auto supply stores
- Variety stores
Other activities to examine
- Auctioning on the location of others as independent auctioneers: 561990 — All Other Support Services
- Retailing automotive parts: 441330 — Automotive Parts and Accessories Retailers
- Retailing a general line of new merchandise, generally known as department stores: 455110 — Department Stores
- Retailing a general line of merchandise in combination with a significant amount and variety of perishable groceries, generally known as warehouse clubs, superstores, or supercenters: 455211 — Warehouse Clubs and Supercenters
- Retailing farm supplies: 444240 — Nursery, Garden Center, and Farm Supply 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, including by auction: 459510 — Used Merchandise Retailers;
- Providing warehousing services for goods owned by others: 4931 — Warehousing and Storage
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
These establishments sell a broad mix of new and used merchandise — apparel, housewares, hardware, automotive supplies, dry goods, and similar lines — with no single category predominating. Operations range from small-format dollar and variety stores with high customer turnover to general merchandise auction houses where inventory changes frequently and bidders access the premises. Many locations are owner-operated with limited staff.
Questions to investigate
- What merchandise categories make up the majority of inventory — and are any lines imported or sourced from manufacturers without U.S. operations?
- Does the operation include any auction activity, whether regularly scheduled or periodic?
- Are any goods taken on consignment, and if so, how is liability for those goods handled contractually?
- What is the approximate average inventory value on hand, and does it fluctuate significantly by season?
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.