Finance and Insurance ·NAICS 52412

NAICS 52412 · IRS SOI 2023 · Census CBP

Direct Insurance (except Life, Health, and Medical) Carriers - Industry Benchmarks

102 SBA loans on record, $31M in volume, for NAICS 52412.

20.1%
Finance and Insurance sector margin
N/A
Workers employed
N/A
Avg payroll / employee
$31M
SBA lending, FY20–26

Data updated July 2026

The verdict · NAICS 52412

Ohio leads Direct Insurance (except Life, Health, and Medical) Carriers activity nationally. IRS SOI doesn't publish margin data at this NAICS level, but the broader Finance and Insurance sector runs a 20.1% net margin.

20.1%
Finance and Insurance sector margin (IRS SOI)
N/A
Workers employed (Census CBP)
N/A
Avg payroll / employee
$31M
SBA lending, FY20–26

Benchmarking Insights for Direct Insurance (except Life, Health, and Medical) Carriers

Direct Insurance (except Life, Health, and Medical) Carriers sits inside Finance and Insurance, a sector that runs a 20.1% net margin overall.

16,364 establishments employ N/A workers. Ohio leads employment, followed by New York and Wisconsin.

Employment

N/A

Total employees (Census CBP)

Avg Payroll / Employee

N/A

Annual compensation

Establishments

16,364

Business locations

Release-over-release change

What changed from Census CBP 2022 to 2023

establishment count decreased by 942. This comparison uses two published national Census County Business Patterns releases; suppressed fields are omitted rather than estimated.

Financial Detail

Sub-Industries

Industry Profit Margin
Direct Property and Casualty Insurance Carriers

NAICS 524126

 N/A
Direct Title Insurance Carriers

NAICS 524127

 N/A
Other Direct Insurance (except Life, Health, and Medical) Carriers

NAICS 524128

 N/A

Top States by Employment

State Employment
Ohio 49,679
New York 33,042
Wisconsin 22,801
New Jersey 19,657
Virginia 18,586
Massachusetts 17,694
North Carolina 17,123
Missouri 12,502
Iowa 12,230
Nebraska 8,124

Showing top 10 of 51 states

SBA Lending Activity

SBA FY2020–2026

SBA Loans Approved

102

Total Loan Volume

$31M

Avg Loan Size

$300K

Jobs Supported

630

Program Breakdown

7(a) 98 (96%)
504 4 (4%)

Top SBA Lender

The Huntington National Bank

15 loans in this industry

New Business Share

28.4% of borrowers were new/startup businesses

Annual Lending Trend (7 yrs)

2020
22
2021
16
2022
12
2023
16
2024
15
2025
17
2026
4

View SBA lending rankings →

Frequently Asked Questions

How profitable is Direct Insurance (except Life, Health, and Medical) Carriers?
IRS SOI doesn't publish margin data at the NAICS 52412 level. Ohio leads this industry nationally. The broader Finance and Insurance sector runs a 20.1% net margin (IRS SOI 2023).
How many businesses are in Direct Insurance (except Life, Health, and Medical) Carriers?
16,364 business establishments.
What is the average payroll per employee in Direct Insurance (except Life, Health, and Medical) Carriers?
Average payroll data for Direct Insurance (except Life, Health, and Medical) Carriers is not available in the current Census CBP dataset.
Which states have the most Direct Insurance (except Life, Health, and Medical) Carriers employment?
Ohio leads with 49,679 workers. New York (33,042) and Wisconsin (22,801) round out the top three.
How much SBA lending does Direct Insurance (except Life, Health, and Medical) Carriers receive?
Direct Insurance (except Life, Health, and Medical) Carriers businesses received 102 SBA loans totaling $31 million between FY2020 and FY2026. The average loan size was $300K. These loans supported 630 jobs at origination. Most lending (96%) came through the SBA 7(a) program.

Benchmarking Direct Insurance (except Life, Health, and Medical) Carriers

Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.

Sources: IRS Statistics of Income (SOI) Business Tax Statistics · Census Bureau County Business Patterns 2023

NAICS 52412 · Data year: 2023

According to the U.S. Census Bureau, which released its 2023 County Business Patterns dataset in June 2025, PlainBizBench benchmarks 2,002 U.S. industries against Internal Revenue Service Statistics of Income data. See our methodology for the full compilation process.

Read our methodology - how this data is sourced, computed, and verified.

Source: U.S. Census Bureau, County Business Patterns / SUSB Industry employment scale, payroll, and firm-size benchmarks · 2023

Every figure on PlainBizBench is rendered directly from federal source data, no number is typed in by an editor. This page aggregates profit-margin, payroll, entity-type, and SBA-lending benchmarks for this industry, live from the dataset. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.