NAICS UNIVERSITY · Free research for insurance agents
Used Merchandise Retailers
NAICS 459510 · United States · 2022 edition
This industry comprises establishments primarily engaged in retailing used merchandise, antiques, and secondhand goods (except motor vehicles, such as automobiles, RVs, motorcycles, and boats; motor vehicle parts; tires; and mobile homes). This industry includes establishments retailing used merchandise on an auction basis.
Start the review with premises liability.
For Used Merchandise Retailers, the saved research highlights premises liability, products liability, commercial 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 types of goods are primarily sold — clothing and housewares, furniture and appliances, antiques and collectibles, or a broad mix?
- Are any used children's products, power tools, electronics, or firearms sold or accepted?
- Does the operation include donation pickup with owned or employee-driven vehicles?
- Is the location owned or leased, and what are the approximate building and inventory values?
- Are sales conducted on consignment, outright purchase, or a mix — and does the store hold any regular auction events?
- Is there a separate back-of-house sorting, cleaning, or storage area, and how many employees work there?
- Are any volunteers used in operations, and if so, how are they covered?
- What is the prior loss history, particularly any claims related to sold goods or customer injuries on premises?
Activities described by this code
- Antique retailers
- Used book retailers
- Used merchandise thrift shops
- Used household appliance retailers
- Used clothing retailers
- Used sporting goods retailers
Other activities to examine
- Operating pawnshops: 522299 — International, Secondary Market, and All Other Nondepository Credit Intermediation
- Retailing used automobiles: 441120 — Used Car Dealers
- Retailing used automobile parts (except tires and tubes): 441330 — Automotive Parts and Accessories Retailers
- Retailing used tires: 441340 — Tire Dealers
- Retailing used mobile homes: 459930 — Manufactured (Mobile) Home Dealers
- Retailing used recreational vehicles: 441210 — Recreational Vehicle Dealers
- Retailing used boats: 441222 — Boat Dealers
- Retailing used motorcycles, all-terrain vehicles (ATVs), aircraft, snowmobiles, and utility trailers: 441227 — Motorcycle, ATV, and All Other Motor Vehicle Dealers;
- Retailing a general line of new and used merchandise on an auction basis: 455219 — All Other General 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
Used merchandise retailers purchase, accept on consignment, or receive donated goods and resell them to the public from a fixed retail location. Operations may include on-site sorting, cleaning, and pricing of donated or purchased items, storage in back-of-house areas, and occasionally pickup or delivery of donated goods. Stock ranges from clothing and housewares to furniture, appliances, electronics, books, sporting goods, and antiques.
Questions to investigate
- What types of goods are primarily sold — clothing and housewares, furniture and appliances, antiques and collectibles, or a broad mix?
- Are any used children's products, power tools, electronics, or firearms sold or accepted?
- Does the operation include donation pickup with owned or employee-driven vehicles?
- Is the location owned or leased, and what are the approximate building and inventory values?
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.