NAICS UNIVERSITY · Free research for insurance agents
Refrigerated Warehousing and Storage
NAICS 493120 · United States · 2022 edition
This industry comprises establishments primarily engaged in operating refrigerated warehousing and storage facilities. Establishments primarily engaged in the storage of furs for the trade are included in this industry. The services provided by these establishments include blast freezing, tempering, and modified atmosphere storage services.
Start the review with bailee liability (warehouseman's legal liability).
For Refrigerated Warehousing and Storage, the saved research highlights bailee liability (warehouseman's legal liability), equipment breakdown, ammonia or refrigerant release. 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 commodities are stored — food products, pharmaceuticals, furs, or other specialty goods — and what are the peak stored values?
- What refrigerant system is used — ammonia, HFCs, or other — and what is the age and maintenance history of the refrigeration plant?
- Are there backup or redundant refrigeration systems, and what are the alarm and monitoring protocols for temperature excursions?
- Does the facility offer blast freezing, tempering, or modified atmosphere services beyond standard storage?
- What is the prior loss history, particularly any spoilage, equipment breakdown, or refrigerant release events?
- Are automated building management or SCADA-type systems in use that could introduce a cyber-triggered operational exposure?
- For Refrigerated Warehousing and Storage, what should the underwriter know about prior spoilage or temperature-excursion losses, particularly large or recurring events?
- For Refrigerated Warehousing and Storage, what should the underwriter know about aging refrigeration plant with deferred maintenance or limited redundancy systems?
Activities described by this code
Other activities to examine
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
Refrigerated warehousing facilities store perishable goods — food products, pharmaceuticals, furs, and other temperature-sensitive commodities — on behalf of third-party clients. Operations typically involve receiving, storing, and releasing inventory under controlled temperature conditions, and may include value-added services such as blast freezing, tempering, and modified atmosphere storage. The physical plant generally includes substantial refrigeration machinery, ammonia or refrigerant systems, insulated structures, and dock facilities.
Questions to investigate
- What types of commodities are stored — food products, pharmaceuticals, furs, or other specialty goods — and what are the peak stored values?
- What refrigerant system is used — ammonia, HFCs, or other — and what is the age and maintenance history of the refrigeration plant?
- Are there backup or redundant refrigeration systems, and what are the alarm and monitoring protocols for temperature excursions?
- Does the facility offer blast freezing, tempering, or modified atmosphere services beyond standard storage?
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.