NAICS UNIVERSITY · Free research for insurance agents
Clothing and Clothing Accessories Retailers
NAICS 458110 · United States · 2022 edition
This industry comprises establishments primarily engaged in retailing general or specialized lines of new clothing and clothing accessories, such as hats and caps, costume jewelry, gloves, handbags, ties, wigs, toupees, and belts. These establishments may provide basic alterations, such as hemming, taking in or letting out seams, or lengthening or shortening sleeves.
Start the review with slip-and-fall premises liability.
For Clothing and Clothing Accessories Retailers, the saved research highlights slip-and-fall premises liability, merchandise inventory, employee injury. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What types of merchandise are sold — general apparel, accessories, costume jewelry, or high-value designer items?
- What is the estimated peak and average merchandise inventory value on hand?
- Is any merchandise held on consignment from outside vendors or designers?
- Does the business operate an e-commerce website or sell through third-party online marketplaces?
- Are any alterations performed on-site, and if so, are they basic hemming or more complex tailoring?
- How many locations does the business operate, and are they under common ownership?
- What security measures are in place — cameras, alarms, anti-theft tags, security personnel?
- Has the business had prior losses involving shoplifting, employee theft, or customer injury claims?
Activities described by this code
Other activities to examine
- Selling custom apparel and accessories made on the premises: 315 — Apparel Manufacturing
- Retailing new shoes (except specialty sports footwear, such as golf shoes, bowling shoes, and cleated shoes): 458210 — Shoe Retailers
- Retailing precious jewelry and watches: 458310 — Jewelry Retailers
- Retailing new luggage, briefcases, trunks, or these products in combination with a general line of leather items (except leather apparel): 458320 — Luggage and Leather Goods Retailers
- Retailing athletic uniforms: 459110 — Sporting Goods Retailers
- Retailing secondhand clothes and used clothing accessories: 459510 — Used Merchandise Retailers;
- Providing clothing alterations and repair: 811490 — Other Personal and Household Goods Repair and Maintenance
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
Clothing and clothing accessories retailers sell new apparel and accessories — including hats, handbags, belts, costume jewelry, gloves, ties, and wigs — directly to consumers from a fixed storefront. Operations typically involve customer browsing and fitting, point-of-sale transactions, and basic alterations such as hemming or seam adjustments. Many retailers also maintain an online sales channel alongside the physical location.
Questions to investigate
- What types of merchandise are sold — general apparel, accessories, costume jewelry, or high-value designer items?
- What is the estimated peak and average merchandise inventory value on hand?
- Is any merchandise held on consignment from outside vendors or designers?
- Does the business operate an e-commerce website or sell through third-party online marketplaces?
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.