NAICS UNIVERSITY · Free research for insurance agents
Optical Goods Retailers
NAICS 456130 · United States · 2022 edition
This industry comprises establishments primarily engaged in one or more of the following: (1) retailing and fitting prescription eyeglasses and contact lenses; (2) retailing prescription eyeglasses in combination with the grinding of lenses to order on the premises; and (3) retailing nonprescription eyeglasses.
Start with the work promised to the client.
For Optical Goods Retailers, clarify the services, contracts and consequences of an error. Review professional liability, products liability, premises liability. Confirm which professional activities and additional services the proposed coverage actually addresses.
Questions to ask
- Is there a licensed optometrist or ophthalmologist on-site performing eye exams, and if so, are they an employee or an independently licensed practitioner sharing the space?
- Does the location grind or finish lenses on-site, and if so, what is the volume — retail only or also for other locations or practitioners?
- What is the approximate value of frame and contact lens inventory on hand at any given time, including any designer or luxury stock?
- Does the operation collect or store protected health information (PHI) digitally, and what systems are used for prescription records?
- Are there any owned or regularly used vehicles — for deliveries, mobile fittings, or inter-location transport?
- What is the claims history over the past three to five years, particularly any professional liability or products-related claims?
- Are contact lenses sold online or fulfilled remotely, or is all dispensing done in-person at the retail location?
- How many licensed opticians are on staff, and are they credentialed under state licensing requirements?
Activities described by this code
Other activities to examine
- Grinding ophthalmic lenses without retailing lenses: 339115 — Ophthalmic Goods Manufacturing;
- The independent private or group practice of optometry or ophthalmology, with or without the sale of glasses and contact lenses: 621 — Ambulatory Health Care Services
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
Optical goods retailers sell prescription eyeglasses, contact lenses, and nonprescription eyewear directly to consumers. Many locations include licensed opticians who assist with frame selection and fitting; some also house an independent optometrist for eye exams. Larger or more vertically integrated operations may grind and finish lenses on-site in a small lab. Day-to-day operations involve customer consultations, prescription verification, frame and lens sales, adjustments, and follow-up fittings.
Questions to investigate
- Is there a licensed optometrist or ophthalmologist on-site performing eye exams, and if so, are they an employee or an independently licensed practitioner sharing the space?
- Does the location grind or finish lenses on-site, and if so, what is the volume — retail only or also for other locations or practitioners?
- What is the approximate value of frame and contact lens inventory on hand at any given time, including any designer or luxury stock?
- Does the operation collect or store protected health information (PHI) digitally, and what systems are used for prescription records?
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.