Industry Description
This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) insurance policies that protect policyholders against losses that may occur as a result of property damage or liability.
Illustrative Examples:
Automobile insurance carriers, direct
Malpractice insurance carriers, direct
Fidelity insurance carriers, direct
Mortgage guaranty insurance carriers, direct
Homeowners’ insurance carriers, direct
Surety insurance carriers, direct
Liability insurance carriers, direct
Cross-References.
Business Examples
Common types of business activities within NAICS 524126 - Direct Property and Casualty Insurance Carriers are:
- Bonding, fidelity or surety insurance, direct
- Liability insurance carriers, direct
- Marine insurance carriers, direct
- Insurance underwriting, property and casualty, direct
- Crop insurance carrier, direct
- Property and casualty insurance carriers, direct
- Fidelity insurance carriers, direct
- Automobile insurance carriers, direct
- Insurance carriers, property and casualty, direct
- Malpractice insurance carriers, direct
- Homeowners' insurance carriers, direct
- Insurance carriers, surety, direct
- Fire insurance carriers, direct
- Surety insurance carriers, direct
- Burglary and theft insurance carriers, direct
- Plate glass insurance carriers, direct
- Casualty insurance carriers, direct
- Property damage insurance carriers, direct
- Workers' compensation insurance underwriting
- Credit and other financial responsibility insurance carriers, direct
- Insurance carriers, fidelity, direct
- Agricultural (i.e., crop, livestock) insurance carriers, direct
- Mortgage guaranty insurance carriers, direct
IBISWorld Industry Research Report
Property, Casualty and Direct Insurance in the US (52412)
Revenue 2025
$1021.1bn
Growth 2025
2.07%
Key Trends
Industry revenue has benefited from a hardening price cycle during the majority of the period
P&C premiums fluctuate because of changes in pricing
Growth in total policies underwritten along with rising premium prices will help insurers sustain profitability
Products and Services
Similar Industries
For some business types, there may be a similar industry to 524126 - Direct Property and Casualty Insurance Carriers that is a better classification match. Establishments primarily engaged in:
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NAICS Cross Reference
Establishments primarily engaged in reinsuring property and casualty insurance policies are classified in Industry 524130, Reinsurance Carriers.
IBISWorld industry research report
NAICS Hierarchy 524126 - Direct Property and Casualty Insurance Carriers
NAICS Code 524126 - Direct Property and Casualty Insurance Carriers sits in the 2-digit Direct Property and Casualty Insurance Carriers sector. NAICS codes can be 2- to 6-digits and the further along the hierarchy, the more detailed and specific the category will be. Learn more about the structure of NAICS codes
2 Digits: 52
Sector Title: Finance and Insurance
3 Digits 4 Digits 5 Digits 6 Digits
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5211 Monetary Authorities-Central Bank
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52111 Monetary Authorities-Central Bank
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5221 Depository Credit Intermediation
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52211 Commercial Banking
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52212 Savings Institutions
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52213 Credit Unions
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52219 Other Depository Credit Intermediation
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5222 Nondepository Credit Intermediation
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52221 Credit Card Issuing
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52222 Sales Financing
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52229 Other Nondepository Credit Intermediation
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5223 Activities Related to Credit Intermediation
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52231 Mortgage and Nonmortgage Loan Brokers
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52232 Financial Transactions Processing, Reserve, and Clearinghouse Activities
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52239 Other Activities Related to Credit Intermediation
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5231 Securities and Commodity Contracts Intermediation and Brokerage
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52311 Investment Banking and Securities Dealing
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52312 Securities Brokerage
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52313 Commodity Contracts Dealing
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52314 Commodity Contracts Brokerage
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5232 Securities and Commodity Exchanges
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52321 Securities and Commodity Exchanges
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5239 Other Financial Investment Activities
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52391 Miscellaneous Intermediation
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52392 Portfolio Management
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52393 Investment Advice
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52399 All Other Financial Investment Activities
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5241 Insurance Carriers
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52411 Direct Life, Health, and Medical Insurance Carriers
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52412 Direct Insurance (except Life, Health, and Medical) Carriers
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52413 Reinsurance Carriers
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5242 Agencies, Brokerages, and Other Insurance Related Activities
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52421 Insurance Agencies and Brokerages
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52429 Other Insurance Related Activities
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5251 Insurance and Employee Benefit Funds
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52511 Pension Funds
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52512 Health and Welfare Funds
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52519 Other Insurance Funds
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5259 Other Investment Pools and Funds
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52591 Open-End Investment Funds
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52592 Trusts, Estates, and Agency Accounts
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52599 Other Financial Vehicles
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Similar Industries Niche and Emerging
IBISWorld provides research on hundreds of niche and emerging industries, including the following for 524126 - Direct Property and Casualty Insurance Carriers.
- Automobile Insurance in the US OD4765
- Homeowners' Insurance in the US OD4766
- Renters' Insurance in the US OD4767
- Travel Insurance in the US OD4771
- Cyber Liability Insurance in the US OD4778
- Business Insurance in the US OD4779
- Workers' Compensation Insurance in the US OD4781
- Commercial Auto Insurance in the US OD5917
- Commercial Construction Insurance in the US OD5915
- Contractors' Insurance in the US OD5916
- Entertainment Insurance in the US OD5918
- Fire Insurance in the US OD5920
NAICS Resources
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