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NAICS 524127, industry

NAICS 524127: Direct title insurance carriers

NAICS 524127 is the industry code for direct title 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 524127 covers

Direct title insurance carriers underwrite title insurance policies protecting owners and lenders against defects in real estate title.

Included in this code

  • Title insurance underwriters
  • Title insurance carriers
  • Title reinsurance written by underwriters

Not this code

Businesses that use 524127

Title underwriterRegional title insurer

Financing for this trade

Title underwriters rely on equity, statutory premium reserves and reinsurance for large policies. Investors and regulators review claim history, reserves and exposure to housing volume.

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Is 524127 the right code for a title insurance company?

Yes, if you underwrite title insurance and carry the risk. Title agencies that search titles, run closings and issue policies for an underwriter use 541191. If your work overlaps, also read the definitions for 541191 (title abstract and settlement offices) and 524210 (insurance agencies and brokerages), then choose the code that matches your largest source of revenue.

What is the SBA size standard for 524127?

The SBA size standard for 524127 is $47M in average annual receipts. SBA averages total gross receipts over the last five completed fiscal years and adds in any affiliates under common control. A title insurance company at or below that figure 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.

How are title insurers capitalized?

Title underwriters rely on equity and statutory premium reserves, with reinsurance for large policies. Lenders and regulators review claim history, reserves and the housing market. Most lenders want two years of tax returns, year to date financial statements and a current debt schedule, and they size payments so cash flow covers debt service comfortably.

What does NAICS 524127 cover?

Direct title 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 524127 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 524127?

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.