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NAICS 524126, industry

NAICS 524126: Direct property and casualty insurance carriers

NAICS 524126 is the industry code for direct property and casualty insurance carriers. Use it on loan applications, tax forms and registrations. Explore financing for professional services and start your application when you are ready.

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What 524126 covers

Direct property and casualty insurance carriers underwrite auto, home, commercial property, liability and workers' compensation insurance.

Included in this code

  • Auto insurance carriers
  • Homeowners insurers
  • Commercial property and liability insurers
  • Workers' compensation carriers
  • Specialty and surplus lines carriers

Not this code

Businesses that use 524126

Regional property and casualty insurerSpecialty commercial carrier

Financing for this trade

Property and casualty carriers support premium growth with equity, surplus notes and reinsurance, and AM Best ratings shape access to agents. Investors review combined ratios, reserve adequacy and catastrophe exposure.

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Is 524126 the right code for a property and casualty insurer?

Yes, if you underwrite property or casualty insurance and carry the risk. Agencies and brokers selling those policies use 524210. The closest alternatives are 524210 (insurance agencies and brokerages) and 524130 (reinsurance carriers). Use whichever matches your largest revenue stream, and keep it consistent across tax filings, SBA forms and lender applications.

What is the SBA size standard for 524126?

The SBA size standard for 524126 is 1,500 employees. SBA counts the average number of people on payroll, full time, part time and temporary, over the last 24 months, and adds in any affiliates. A property and casualty insurer under that headcount counts as small for federal small business contracts and other SBA size determinations, although lending and passive investment businesses are generally not eligible for SBA 7(a) loans, whatever its revenue.

How do property and casualty insurers raise capital?

Carriers use equity, surplus notes and reinsurance to support premium growth, and AM Best ratings shape their access to agents and customers. Lenders review combined ratios, reserves and catastrophe exposure. A broker who works with many lenders can line up bank, SBA and alternative offers side by side, which often matters more than chasing the lowest headline price.

What does NAICS 524126 cover?

Direct property and casualty insurance carriers. Industry level code in NAICS 2022, under 52 Finance and insurance, 524 Insurance carriers and related activities, 5241 Insurance carriers, 52412 Direct insurance (except life, health, and medical) carriers.

What financing do NAICS 524126 businesses use?

Equipment financing, working capital, SBA loans and invoice factoring are the products placed most for professional services businesses. Start an application and the AI matches the deal to lenders that fund this code.

Where do I put NAICS 524126?

On the SBA loan application, on federal Schedule C or Form 1120, on SAM.gov and state registrations, and on most lender applications. A business can report more than one code; use this one if it describes what produces most of your revenue.