1992 Census of Financial, Insurance, and Real Estate Industries, Definitions of Industries

See also our national statistics from the 1992 Census of Financial, Insurance, and Real Estate Industries.


DEPOSITORY INSTITUTIONS (SIC MAJOR GROUP 60)

This major group includes institutions that are engaged in deposit banking or closely related functions, including fiduciary activities.


COMMERCIAL BANKS (SIC 602)

Commercial banks and trust companies engaged in the business of accepting deposits from the public.


NATIONAL COMMERCIAL BANKS (SIC 6021)

Commercial banks and trust companies (accepting deposits) chartered under the National Bank Act. Trust companies engaged in fiduciary business, but not regularly engaged in deposit banking, are classified in Industry 6091.


STATE COMMERCIAL BANKS (SIC 6022)

Commercial banks and trust companies (accepting deposits) chartered by one of the States or territories. Trust companies engaged in fiduciary business, but not regularly engaged in deposit banking, are classified in Industry 6091.


SAVINGS INSTITUTIONS (SIC 603)

Federally chartered savings institutions (accepting deposits) operating under Federal charter.

State-chartered savings institutions (accepting deposits) which do not operate under Federal charter.


SAVINGS INSTITUTIONS, FEDERALLY CHARTERED (SIC 6035)

Federally chartered savings institutions (accepting deposits) operating under Federal charter.


SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED (SIC 6036)

State-chartered savings institutions (accepting deposits) which do not operate under Federal charter.


CREDIT UNIONS (SIC 606)

Cooperative thrift and loan associations (accepting deposits) organized under Federal charter to finance credit needs of their members.

Cooperative thrift and loan associations (accepting deposits) organized under other than Federal charter to finance credit needs of their members.


CREDIT UNIONS, FEDERALLY CHARTERED (SIC 6061)

Cooperative thrift and loan associations (accepting deposits) organized under Federal charter to finance credit needs of their members.


CREDIT UNIONS, NOT FEDERALLY CHARTERED (SIC 6062)

Cooperative thrift and loan associations (accepting deposits) organized under other than Federal charter to finance credit needs of their members.


OTHER DEPOSITORY INSTITUTIONS (SIC 601,8,9)

Central reserve depository institutions whose primary activity is receiving deposits from banks of deposit and providing advances to such institutions. These institutions generally do not engage in receiving deposits from or making advances to other enterprises or individuals.

Establishments operating as branches or agencies of foreign banks which specialize in commercial loans, especially trade finance. They typically fund themselves via large denomination interbank deposits, rather than through smaller denomination retail deposits. Federally licensed agencies of foreign banks may not accept deposits. Federal branches may accept deposits; however, if they choose to accept deposits in denominations of $100,000 or less, Federal deposit insurance is required. Establishments which are owned by foreign banks but primarily engaged in accepting retail deposits from the general public in the United States are classified in Industry Group 602.

Establishments of foreign trade companies operating in the United States under Federal or State charter for aiding or financing foreign trade. Also included in this industry are Federal or State chartered banking institutions which only engage in banking outside the United States.

Establishments of trust companies engaged in fiduciary business, but not regularly engaged in deposit banking.

Establishments primarily engaged in performing functions related to depository banking, not elsewhere classified.


CENTRAL RESERVE DEPOSITORY INSTITUTIONS (SIC 601)

Central reserve depository institutions whose primary activity is receiving deposits from banks of deposit and providing advances to such institutions. These institutions generally do not engage in receiving deposits from or making advances to other enterprises or individuals.


FEDERAL RESERVE BANKS (SIC 6011)

Central reserve depository institutions whose primary activity is receiving deposits from Federal Reserve banks and branches and providing advances to such institutions. These institutions generally do not receive deposits from, or make advances to, other enterprises or individuals.


CENTRAL RESERVE DEPOSITORY INSTITUTIONS, N.E.C. (6019)

Central reserve depository institutions, other than Federal Reserve banks, primarily engaged in providing credit to and holding deposits and reserves for their members, such as savings banks, savings and loan associations, or credit unions.


FOREIGN BANKING AND BRANCHES AND AGENCIES OF FOREIGN BANKS (SIC 608)

Establishments operating as branches or agencies of foreign banks which specialize in commercial loans, especially trade finance. They typically fund themselves via large denomination interbank deposits, rather than through smaller denomination retail deposits. Federally licensed agencies of foreign banks may not accept deposits. Federal branches may accept deposits; however, if they choose to accept deposits in denominations of $100,000 or less, Federal deposit insurance is required. Establishments which are owned by foreign banks but primarily engaged in accepting retail deposits from the general public in the United States are classified in Industry Group 602.

Establishments of foreign trade companies operating in the United States under Federal or State charter for aiding or financing foreign trade. Also included in this industry are Federal or State chartered banking institutions which only engage in banking outside the United States.


BRANCHES AND AGENCIES OF FOREIGN BANKS (SIC 6081)

Establishments operating as branches or agencies of foreign banks which specialize in commercial loans, especially trade finance. They typically fund themselves via large denomination interbank deposits, rather than through smaller denomination retail deposits. Federally licensed agencies of foreign banks may not accept deposits. Federal branches may accept deposits; however, if they choose to accept deposits in denominations of $100,000 or less, Federal deposit insurance is required. Establishments which are owned by foreign banks but primarily engaged in accepting retail deposits from the general public in the United States are classified in Industry Group 602.


FOREIGN TRADE AND INTERNATIONAL BANKING INSTITUTIONS (SIC 6082)

Establishments of foreign trade companies operating in the United States under Federal or State charter for aiding or financing foreign trade. Also included in this industry are Federal or State chartered banking institutions which only engage in banking outside the United States.


FUNCTIONS RELATED TO DEPOSITORY BANKING (SIC 609)

Establishments of trust companies engaged in fiduciary business, but not regularly engaged in deposit banking.

Establishments primarily engaged in performing functions related to depository banking, not elsewhere classified.


NONDEPOSIT TRUST FACILITIES (SIC 6091)

Trust companies engaged in fiduciary business, but not regularly engaged in deposit banking. Some of these establishments occasionally hold limited amounts of special types of deposits, and their uninvested trust funds are usually classified as deposits. These nondeposit trust facilities may have either National or State charters. This industry does not include establishments operating under trust company charters which limit their fiduciary business to that incidental to real estate title or mortgage loan activities, which are classified in Industry 6361.


FUNCTIONS RELATED TO DEPOSITORY BANKING, N.E.C. (SIC 6099)

Establishments primarily engaged in performing functions related to depository banking, not elsewhere classified.


NONDEPOSITORY CREDIT INSTITUTIONS (SIC MAJOR GROUP 61)

This major group includes establishments engaged in extending credit in the form of loans, but not engaged in deposit banking.


PERSONAL CREDIT INSTITUTIONS (SIC 614)

Establishments primarily engaged in providing loans to individuals. Also included in this industry are establishments primarily engaged in financing retail sales made on the installment plan and financing automobile loans for individuals.


AUTOMOTIVE SALES FINANCE COMPANIES (SIC 6141 pt)

Establishments primarily engaged in loaning money to individuals for automotive purchases, including trucks, either directly or through sales financing arrangements with dealers.


SALES FINANCE COMPANIES, EXCEPT AUTOMOTIVE (SIC 6141 pt)

Establishments primarily engaged in loaning money to individuals for the retail purchase of consumer goods (other than automotive), either directly or through sales financing arrangements with dealers.


CONSUMER AND PERSONAL FINANCE AND SMALL LOAN COMPANIES (SIC 6141 pt)

Establishments primarily engaged in providing cash loans to individuals or consumers for non-specified purposes, including student loans.


PERSONAL CREDIT INSTITUTIONS, N.E.C. (SIC 6141 pt)

Establishments primarily engaged in personal credit activities, not elsewhere classified.


OTHER NONDEPOSITORY CREDIT INSTITUTIONS (SIC 611,5,6)

Establishments of the Federal Government and federally-sponsored credit agencies primarily engaged in guaranteeing, insuring, or making loans. Federally-sponsored credit agencies are established under authority of Federal legislation, but are not regarded as part of the Government. They are often owned by their members or borrowers.

Establishments primarily engaged in making loans to agricultural and other business enterprises, excluding those engaged principally in home or personal financing. Establishments primarily engaged in originating mortgage loans, selling mortgage loans to permanent investors, and servicing these loans. They may also provide real estate construction loans.

Establishments primarily engaged in arranging loans for others. These establishments operate mostly on a commission or fee basis and do not ordinarily have any continuing relationship with either borrower or lender.


FEDERAL AND FEDERALLY-SPONSORED CREDIT AGENCIES (SIC 611)

Establishments of the Federal Government and federally-sponsored credit agencies primarily engaged in guaranteeing, insuring, or making loans. Federally-sponsored credit agencies are established under authority of Federal legislation, but are not regarded as part of the Government. They are often owned by their members or borrowers.


FARM CREDIT SYSTEM (SIC 6111 pt)

Establishments of the Farm Credit System primarily engaged in nondepository banking activities (guaranteeing, insuring, or making loans) serving farmers and farm cooperatives.


FEDERAL AND FEDERALLY-SPONSORED CREDIT AGENCIES, EXCEPT FARM CREDIT SYSTEM (SIC 6111 pt)

Establishments of the Federal Government and federally-sponsored credit agencies primarily engaged in guaranteeing, insuring, and making loans, other than those of the Farm Credit System. Federally-sponsored credit agencies are established under authority of Federal legislation, but are not regarded as part of the Government. They are often owned by their members or borrowers.


BUSINESS CREDIT INSTITUTIONS (SIC 615)

Establishments primarily engaged in making loans to agricultural and other business enterprises, excluding those engaged principally in home or personal financing.


SHORT-TERM BUSINESS CREDIT INSTITUTIONS, EXCEPT AGRICULTURAL (SIC 6153)

Establishments primarily engaged in extending credit to business enterprises for relatively short periods. Private establishments primarily engaged in extending agricultural credit are classified in Industry 6159.


MISCELLANEOUS BUSINESS CREDIT INSTITUTIONS (SIC 6159)

Establishments primarily engaged in furnishing intermediate or long-term general and industrial credit, including the finance leasing of automobiles, trucks, and machinery and equipment. Included in this industry are private establishments primarily engaged in extending agricultural credit. Federal and federally- sponsored credit agencies primarily engaged in extending agricultural credit are classified in Industry 6111. Establishments primarily engaged in other types of leasing of passenger cars and trucks are classified in Industry Group 751.


AGRICULTURAL CREDIT INSTITUTIONS (SIC 6159 pt)

Private establishments primarily engaged in granting (intermediate or long-term) agricultural credit and loans.


MISCELLANEOUS BUSINESS CREDIT INSTITUTIONS, N.E.C. (SIC 6159 pt)

Establishments primarily engaged in furnishing intermediate or long-term general and industrial credit, including the finance leasing of automobiles, trucks, machinery and equipment.


MORTGAGE BANKERS AND BROKERS (SIC 616)

Establishments primarily engaged in originating mortgage loans, selling mortgage loans to permanent investors, and servicing these loans. They may also provide real estate construction loans.

Establishments primarily engaged in arranging loans for others. These establishments operate mostly on a commission or fee basis and do not ordinarily have any continuing relationship with either borrower or lender.


MORTGAGE BANKERS AND LOAN CORRESPONDENTS (SIC 6162)

Establishments primarily engaged in originating mortgage loans, selling mortgage loans to permanent investors, and servicing these loans. They may also provide real estate construction loans.


LOAN BROKERS (SIC 6163)

Establishments primarily engaged in arranging loans for others. These establishments operate mostly on a commission or fee basis and do not ordinarily have any continuing relationship with either borrower or lender.


SECURITY AND COMMODITY BROKERS, DEALERS, EXCHANGES, AND SERVICES (SIC MAJOR GROUP 62)

This major group includes establishments engaged in the underwriting, purchase, sale, or brokerage of securities and other financial contracts on their own account or for the account of others; and exchanges, exchange clearinghouses, and other services allied with the exchange of securities and commodities.


SECURITY AND COMMODITY BROKERS, DEALERS, AND FLOTATION COMPANIES (SIC 621,2)

Establishments primarily engaged in the purchase, sale, and brokerage of securities; and those, generally known as investment bankers, primarily engaged in originating, underwriting, and distributing issues of securities. Establishments primarily engaged in issuing shares of mutual and money market funds, unit investment trusts, and face amount certificates are classified in Industry Group 672. Establishments primarily engaged in providing investment advice on a contract or fee basis to establishments which deal in financial contracts are classified in Industry 6282.

Establishments primarily engaged in buying and selling commodity contracts on either a spot or future basis for their own account or for the account of others. These establishments are members, or are associated with members, of recognized commodity exchanges. Establishments primarily engaged in buying and selling commodities are classified in Wholesale Trade.


SECURITY BROKERS, DEALERS, AND FLOTATION COMPANIES (SIC 621)

Establishments primarily engaged in the purchase, sale, and brokerage of securities; and those, generally known as investment bankers, primarily engaged in originating, underwriting, and distributing issues of securities. Establishments primarily engaged in issuing shares of mutual and money market funds, unit investment trusts, and face amount certificates are classified in Industry Group 672. Establishments primarily engaged in providing investment advice on a contract or fee basis to establishments which deal in financial contracts are classified in Industry 6282.


COMMODITY CONTRACTS BROKERS AND DEALERS (SIC 622)

Establishments primarily engaged in buying and selling commodity contracts on either a spot or future basis for their own account or for the account of others. These establishments are members, or are associated with members, of recognized commodity exchanges. Establishments primarily engaged in buying and selling commodities are classified in Wholesale Trade.


SECURITY AND COMMODITY EXCHANGES AND ALLIED SERVICES (SIC 623,8)

Establishments primarily engaged in furnishing space and other facilities to members for the purpose of buying, selling, or otherwise trading in stocks, stock options, bonds, or commodity contracts.

Establishments primarily engaged in furnishing investment information and advice to companies and individuals concerning securities and commodities on a contract or fee basis. Establishments that provide advice and also act as brokers or dealers are classified in Industry 6211.

Establishments primarily engaged in furnishing services to security or commodity holders, brokers, or dealers, not elsewhere classified.


SECURITY AND COMMODITY EXCHANGES (SIC 623)

Establishments primarily engaged in furnishing space and other facilities to members for the purpose of buying, selling, or otherwise trading in stocks, stock options, bonds, or commodity contracts.


SERVICES ALLIED WITH THE EXCHANGE OF SECURITIES OR COMMODITIES (SIC 628)

Establishments primarily engaged in furnishing investment information and advice to companies and individuals concerning securities and commodities on a contract or fee basis. Establishments that provide advice and also act as brokers or dealers are classified in Industry 6211.

Establishments primarily engaged in furnishing services to security or commodity holders, brokers, or dealers, not elsewhere classified.


INVESTMENT ADVICE (SIC 6282)

Establishments primarily engaged in furnishing investment information and advice to companies and individuals concerning securities and commodities on a contract or fee basis. Establishments that provide advice and also act as brokers or dealers are classified in Industry 6211.


SERVICES ALLIED WITH THE EXCHANGE OF SECURITIES OR COMMODITIES, N.E.C. (SIC 6289)

Establishments primarily engaged in furnishing services to security or commodity holders, brokers, or dealers, not elsewhere classified.


INSURANCE CARRIERS (SIC MAJOR GROUP 63)

This major group includes carriers of insurance of all types, including reinsurance. Agents and brokers dealing in insurance and organizations rendering services to insurance carriers or to policyholders are classified in Major Group 64.


LIFE INSURANCE (SIC 631)

Establishments primarily engaged in underwriting life insurance. These establishments are operated by enterprises that may be owned by stockholders, policyholders, or other carriers.


SALES OFFICES OF LIFE INSURANCE CARRIERS (SIC 6311 pt)

Establishments primarily engaged in selling life insurance that are owned or operated by an insurance carrier. These establishments must be part of a multiunit firm.


OTHER OFFICES OF LIFE INSURANCE CARRIERS (SIC 6311 pt)

Establishments primarily engaged in managing the operations of a life insurance carrier. These establishments are the headquarter offices of the insurance carrier, and may also perform activities such as underwriting insurance policies, managing the investment assets of the insurance carrier, and insurance claims processing. These establishments are considered operating establishments. Offices of single unit life insurance carriers are included here.

Establishments of life insurance carriers primarily engaged insurance claims processing and administration for the firm. These establishments must be part of a multiunit firm.

Establishments of life insurance carriers primarily engaged in performing data processing functions for the firm. These establishments must be part of a multiunit firm.

Establishments of life insurance carriers primarily engaged in underwriting life insurance or managing the investments of the carrier, but not managing the central operations of the carrier. These establishments must be part of a multiunit firm.

Establishments of life insurance carriers primarily engaged in performing services for the firm, not elsewhere classified. These establishments may perform activities such as regional or district sales management. These establishments must be part of a multiunit firm.


HOME OFFICES OF LIFE INSURANCE CARRIERS (SIC 6311 pt)

Establishments primarily engaged in managing the operations of a life insurance carrier. These establishments are the headquarter offices of the insurance carrier, and may also perform activities such as underwriting insurance policies, managing the investment assets of the insurance carrier, and insurance claims processing. These establishments are considered operating establishments. Offices of single unit life insurance carriers are included here.


OTHER OFFICES OF LIFE INSURANCE CARRIERS, N.E.C. (SIC 6311 pt)

Establishments of life insurance carriers primarily engaged insurance claims processing and administration for the firm. These establishments must be part of a multiunit firm.

Establishments of life insurance carriers primarily engaged in performing data processing functions for the firm. These establishments must be part of a multiunit firm.

Establishments of life insurance carriers primarily engaged in underwriting life insurance or managing the investments of the carrier, but not managing the central operations of the carrier. These establishments must be part of a multiunit firm.

Establishments of life insurance carriers primarily engaged in performing services for the firm, not elsewhere classified. These establishments may perform activities such as regional or district sales management. These establishments must be part of a multiunit firm.


ACCIDENT AND HEALTH INSURANCE AND MEDICAL SERVICE PLANS (SIC 632)

Establishments primarily engaged in underwriting accident and health insurance. This industry includes establishments which provide health insurance protection for disability income losses and medical expense coverage on an indemnity basis. These establishments are operated by enterprises that may be owned by stockholders, policyholders, or other carriers. Establishments primarily engaged in providing hospital, medical and other health services on a service basis or combination of service and indemnity basis are classified in Industry 6324.

Establishments primarily engaged in providing hospital, medical and other health services to subscribers or members in accordance with prearranged agreements or service plans. Generally, these service plans provide benefits to subscribers or members in return for specified subscription charges. The plans may be through a contract under which a participating hospital or physician agrees to render the covered services without charging any additional fees. Other plans provide for partial indemnity and service benefits. Also included in this industry are separate establishments of health maintenance organizations which provide medical insurance. Establishments providing these services through their own facilities or employed physicians are classified in Major Group 80.


ACCIDENT AND HEALTH INSURANCE (SIC 6321)

Establishments primarily engaged in underwriting accident and health insurance. This industry includes establishments which provide health insurance protection for disability income losses and medical expense coverage on an indemnity basis. These establishments are operated by enterprises that may be owned by stockholders, policyholders, or other carriers. Establishments primarily engaged in providing hospital, medical and other health services on a service basis or combination of service and indemnity basis are classified in Industry 6324.


HOSPITAL AND MEDICAL SERVICE PLANS (SIC 6324)

Establishments primarily engaged in providing hospital, medical and other health services to subscribers or members in accordance with prearranged agreements or service plans. Generally, these service plans provide benefits to subscribers or members in return for specified subscription charges. The plans may be through a contract under which a participating hospital or physician agrees to render the covered services without charging any additional fees. Other plans provide for partial indemnity and service benefits. Also included in this industry are separate establishments of health maintenance organizations which provide medical insurance. Establishments providing these services through their own facilities or employed physicians are classified in Major Group 80.


FIRE, MARINE, AND CASUALTY INSURANCE (SIC 633)

Establishments primarily engaged in underwriting fire, marine, and casualty insurance. These establishments are operated by enterprises that may be owned by stockholders, policyholders, or other carriers.


SALES OFFICES OF FIRE, MARINE, AND CASUALTY INSURANCE (SIC 6331 pt)

Establishments primarily engaged in selling fire, marine, and casualty insurance that are owned or operated by an insurance carrier. These establishments primarily sell automobile, workers' compensation, homeowners' multiple peril, fire, marine, and other types of insurance. These establishments must be part of a multiunit firm.


OTHER OFFICES OF FIRE, MARINE, AND CASUALTY INSURANCE (SIC 6331 pt)

Establishments primarily engaged in managing the operations of a fire, marine, and casualty insurance carrier. These establishments are the headquarter offices of the insurance carrier, and may also perform activities such as underwriting insurance policies, insurance claims processing, and managing the investment assets of the insurance carrier. These establishments are owned or operated by an insurance carrier. These establishments are considered operating establishments. Offices of single unit fire, marine, and casualty insurance carriers are included here.

Establishments of fire, marine, and casualty insurance carriers primarily engaged in insurance claims processing and administration for the firm. These establishments must be part of a multiunit firm.

Establishments of fire, marine, and casualty insurance carriers primarily engaged in performing data processing functions for the firm. These establishments must be part of a multiunit firm.

Establishments of fire, marine, and casualty insurance carriers primarily engaged in underwriting life insurance or managing the investments of the carrier, but not managing the headquarter operations of the carrier. These establishments must be part of a multiunit firm.

Establishments primarily engaged in performing services for fire, marine, and casualty insurance carriers, not elsewhere classified. These establishments may perform activities such as regional or district sales management. These establishments must be part of a multiunit firm.


HOME OFFICES OF FIRE, MARINE, AND CASUALTY INSURANCE (SIC 6331 pt)

Establishments primarily engaged in managing the operations of a fire, marine, and casualty insurance carrier. These establishments are the headquarter offices of the insurance carrier, and may also perform activities such as underwriting insurance policies, insurance claims processing, and managing the investment assets of the insurance carrier. These establishments are owned or operated by an insurance carrier. These establishments are considered operating establishments. Offices of single unit fire, marine, and casualty insurance carriers are included here.


OTHER OFFICES OF FIRE, MARINE, AND CASUALTY INSURANCE N.E.C. (SIC 6331 pt) Establishments of fire, marine, and casualty insurance carriers

primarily engaged in insurance claims processing and administration for the firm. These establishments must be part of a multiunit firm.

Establishments of fire, marine, and casualty insurance carriers primarily engaged in performing data processing functions for the firm. These establishments must be part of a multiunit firm.

Establishments of fire, marine, and casualty insurance carriers primarily engaged in underwriting life insurance or managing the investments of the carrier, but not managing the headquarter operations of the carrier. These establishments must be part of a multiunit firm.

Establishments primarily engaged in performing services for fire, marine, and casualty insurance carriers, not elsewhere classified. These establishments may perform activities such as regional or district sales management. These establishments must be part of a multiunit firm.


TITLE INSURANCE (SIC 636)

Establishments primarily engaged in underwriting insurance to protect the owner of real estate, or lenders of money thereon, against loss sustained by reason of any defect of title.


OTHER INSURANCE CARRIERS (SIC 635,7,9)

Establishments primarily engaged in underwriting financial responsibility insurance. Establishments primarily performing bail bonding services are classified in Industry 7389.

Establishments primarily engaged in managing pension, retirement, health, and welfare funds. (The tabulations in this publication include only third party administrators of pension, health, and welfare funds.)

Establishments primarily engaged in underwriting insurance, not elsewhere classified, such as insuring bank deposits and shares in savings and loan associations. They may also perform other functions related to insurance carriers, not elsewhere classified. These establishments include sales, home, and other offices owned or operated by insurance carriers, not elsewhere classified.


SURETY INSURANCE (SIC 635)

Establishments primarily engaged in underwriting financial responsibility insurance. Establishments primarily performing bail bonding services are classified in Industry 7389.


PENSION, HEALTH, WELFARE FUNDS; AND INSURANCE CARRIERS, N.E.C. (SIC 637,9)

Establishments primarily engaged in managing pension, retirement, health, and welfare funds. (The tabulations in this publication include only third party administrators of pension, health, and welfare funds.)

Establishments primarily engaged in underwriting insurance, not elsewhere classified, such as insuring bank deposits and shares in savings and loan associations. They may also perform other functions related to insurance carriers, not elsewhere classified. These establishments include sales, home, and other offices owned or operated by insurance carriers, not elsewhere classified.


PENSION, HEALTH, AND WELFARE FUNDS (SIC 637)

Establishments primarily engaged in managing pension, retirement, health, and welfare funds. (The tabulations in this publication include only third party administrators of pension, health, and welfare funds.)


INSURANCE CARRIERS, N.E.C. (SIC 639)

Establishments primarily engaged in underwriting insurance, not elsewhere classified, such as insuring bank deposits and shares in savings and loan associations. They may also perform other functions related to insurance carriers, not elsewhere classified. These establishments include sales, home, and other offices owned or operated by insurance carriers, not elsewhere classified.


INSURANCE AGENTS, BROKERS, AND SERVICE (SIC MAJOR GROUP 64)

This major group includes agents and brokers dealing in insurance, and also organizations offering services to insurance companies and to policyholders.


INSURANCE AGENTS AND BROKERS (SIC 6411 pt)

Establishments primarily selling insurance and annuities. These are establishments of agents representing one or more insurance carriers, or of brokers not representing any particular carrier, primarily engaged as independent contractors in the sale or placement of insurance contract with carriers. The agents and brokers are not employees of the insurance carriers they represent.


INSURANCE-RELATED SERVICES, N.E.C. (SIC 6411 pt)

Establishments primarily performing services related to insurance, not elsewhere classified. These establishments are not owned or operated by an insurance carrier.


REAL ESTATE (SIC MAJOR GROUP 65)

This major group includes real estate operators, and owners and lessors of real property, as well as buyers, sellers, developers, agents, and brokers. Establishments primarily engaged in the construction of buildings for sale (operative builders) are classified in Industry 1531.


REAL ESTATE OPERATORS (EXCEPT DEVELOPERS) AND LESSORS (SIC 651)

Included in this industry group are real estate operators (except developers) and lessors. Lessees or lessors engaged in the development or improvement of unimproved real property are classified according to the principal activity performed. This group includes operators of apartment hotels and residential mobile home sites, but does not include hotels, rooming and boarding houses, camps, travel trailer parks, and other lodging places for transients which are classified in Services, Major Group 70. "Operators" in this group will be interpreted as owner-operators. Establishments primarily engaged in renting, buying, selling, managing, and appraising real estate for others are classified in Industry 6531.


OPERATORS OF NONRESIDENTIAL BUILDINGS (SIC 6512)

Establishments primarily engaged in the operation of nonresidential buildings. The professional practices, agencies, and businesses leasing space within the buildings are classified as separate establishments according to kind of business or activity.


OPERATORS OF PROFESSIONAL AND OTHER OFFICE BUILDINGS (SIC 6512 pt)

Establishments primarily engaged in the operation of buildings primarily used as office space. The professional practices, agencies, and businesses leasing the office space within the buildings are classified as separate establishments according to kind of business or activity.


OPERATORS OF MANUFACTURING AND INDUSTRIAL BUILDINGS (SIC 6512 pt)

Establishments primarily engaged in the operation of manufacturing and other industrial buildings. These establishments are not engaged in manufacturing operations. The manufacturing activity within the building is classified as a separate establishment according to kind of business or activity.


OPERATORS OF SHOPPING CENTERS AND RETAIL STORES (SIC 6512 pt)

Establishments primarily engaged in the operation of retail stores or shopping center properties. These establishments are not engaged in retail sales activity. The individual establishments operating within the shopping center are classified according to their primary kind of business or activity.


OPERATORS OF NONRESIDENTIAL BUILDINGS AND FACILITIES, N.E.C. (SIC 6512 pt)

Establishments primarily engaged in owning and operating (leasing) nonresidential buildings and facilities, not elsewhere classified.


OPERATORS OF APARTMENT BUILDINGS (SIC 6513)

Establishments primarily engaged in the ownership and operation of apartment buildings. Apartment buildings are defined as containing five or more housing units. This industry does not include hotels, rooming and boarding houses, camps, and other lodging places for transients which are classified in Services, Major Group 70.


OTHER REAL ESTATE OPERATORS AND LESSORS (SIC 6514,5,7,9)

Establishments primarily engaged in the operation of dwellings other than apartment buildings. Dwellings other than apartment buildings are defined as containing four or fewer housing units. This industry does not include hotels, rooming and boarding houses, camps, and other lodging places for transients which are classified in Services, Major Group 70.

Establishments primarily engaged in the operation of residential mobile home sites. Establishments primarily engaged in the operation of sites for overnight or transient use for travel trailers are classified in Services, Industry 7033.

Establishments primarily engaged in leasing railroad property.

Establishments primarily engaged in leasing real property, not elsewhere classified.


OPERATORS OF DWELLINGS OTHER THAN APARTMENT BUILDINGS (SIC 6514)

Establishments primarily engaged in the operation of dwellings other than apartment buildings. Dwellings other than apartment buildings are defined as containing four or fewer housing units. This industry does not include hotels, rooming and boarding houses, camps, and other lodging places for transients which are classified in Services, Major Group 70.


OPERATORS OF RESIDENTIAL MOBILE HOME SITES (SIC 6515)

Establishments primarily engaged in the operation of residential mobile home sites. Establishments primarily engaged in the operation of sites for overnight or transient use for travel trailers are classified in Services, Industry 7033.


LESSORS OF RAILROAD PROPERTY AND LESSORS OF REAL PROPERTY, N.E.C. (SIC 6517,9)

Establishments primarily engaged in leasing railroad property.

Establishments primarily engaged in leasing real property, not elsewhere classified.


REAL ESTATE AGENTS AND MANAGERS (SIC 653)

Establishments primarily engaged in renting, buying, selling, managing, and appraising real estate for others.


OFFICES OF REAL ESTATE AGENTS AND BROKERS (SIC 6531 pt)

Establishments primarily engaged in renting, buying, and/or selling residential and nonresidential real estate for others.


OFFICES OF RESIDENTIAL REAL ESTATE AGENTS AND BROKERS (SIC 6531 pt)

Establishments primarily engaged in renting, buying, and/or selling residential real estate for others.


OFFICES OF NONRESIDENTIAL REAL ESTATE AGENTS AND BROKERS (SIC 6531 pt)

Establishments primarily engaged in renting, buying, and/or selling nonresidential real estate for others.


REAL ESTATE PROPERTY MANAGERS (SIC 6531 pt)

Establishments primarily engaged in managing residential and nonresidential real estate properties for others.

Condominium and cooperative owners' associations primarily engaged in providing management (and other services) for condominium or cooperative owners.


RESIDENTIAL REAL ESTATE PROPERTY MANAGERS (SIC 6531 pt)

Establishments primarily engaged in managing residential real estate properties for others.


NONRESIDENTIAL REAL ESTATE PROPERTY MANAGERS (SIC 6531 pt)

Establishments primarily engaged in managing nonresidential properties for others.


CONDOMINIUM AND COOPERATIVE OWNERS' ASSOCIATIONS (SIC 6531 pt)

Condominium and cooperative owners' associations primarily engaged in providing management (and other services) for condominium or cooperative owners.


SERVICES RELATED TO SALES AND MANAGEMENT (SIC 6531 pt)

Establishments primarily engaged in appraising the value of real estate.

Establishments primarily engaged in services related to real estate sales and management, not elsewhere classified.


REAL ESTATE APPRAISERS (SIC 6531 pt)

Establishments primarily engaged in appraising the value of real estate.


SERVICE RELATED TO REAL ESTATE SALES AND MANAGEMENT, N.E.C. (SIC 6531 pt)

Establishments primarily engaged in services related to real estate sales and management, not elsewhere classified.


OTHER REAL ESTATE (SIC 654,5)

Establishments primarily engaged in searching real estate titles. This industry does not include title insurance companies which are classified in Industry 6361.

Establishments primarily engaged in subdividing real property into lots, and in developing it for resale on their own account. Establishments primarily engaged in developing lots for others are classified in Industry 1794.


TITLE ABSTRACT OFFICES (SIC 654)

Establishments primarily engaged in searching real estate titles. This industry does not include title insurance companies which are classified in Industry 6361.


LAND SUBDIVIDERS AND DEVELOPERS (SIC 655)

Establishments primarily engaged in subdividing real property into lots, and in developing it for resale on their own account. Establishments primarily engaged in developing lots for others are classified in Industry 1794.


LAND SUBDIVIDERS AND DEVELOPERS, EXCEPT CEMETERIES (SIC 6552)

Establishments primarily engaged in subdividing real property into lots, except cemetery lots, and in developing it for resale on their own account. Establishments primarily engaged in developing lots for others are classified in Industry 1794.


CEMETERY SUBDIVIDERS AND DEVELOPERS (SIC 6553)

Establishments primarily engaged in subdividing real property into cemetery lots, and in developing it for resale on their own account.


HOLDING AND OTHER INVESTMENT OFFICES (SIC MAJOR GROUP 67)

This major group includes investment trusts, investment companies, holding companies and miscellaneous investment offices.

Data for SIC 673, Trusts, are not included in this major group.


HOLDING OFFICES (SIC 671)

Establishments primarily engaged in holding or owning the securities of banks for the sole purpose of exercising some degree of control over the activities of bank companies whose securities they hold. Companies holding securities of banks, but which are predominantly operating the banks, are classified according to the kind of bank operated. Establishments primarily engaged in holding or owning securities of companies other than banks, for the sole purpose of exercising some degree of control over the activities of the companies whose securities they hold. Companies holding securities, but which are predominantly operating companies, are classified according to the kind of business operated.


OFFICES OF BANK HOLDING COMPANIES (SIC 6712)

Establishments primarily engaged in holding or owning the securities of banks for the sole purpose of exercising some degree of control over the activities of bank companies whose securities they hold. Companies holding securities of banks, but which are predominantly operating the banks, are classified according to the kind of bank operated.


OFFICES OF HOLDING COMPANIES, N.E.C. (SIC 6719)

Establishments primarily engaged in holding or owning securities of companies other than banks, for the sole purpose of exercising some degree of control over the activities of the companies whose securities they hold. Companies holding securities, but which are predominantly operating companies, are classified according to the kind of business operated.


INVESTMENT OFFICES (SIC 672)

Establishments primarily engaged in issuing shares, other than unit investment trusts and face-amount certificate companies, whose shares contain a provision requiring redemption by the company upon request of the security holder.

Establishments primarily engaged in issuing unit investment trusts or face-amount certificates; and establishments primarily engaged in issuing shares, other than investment trusts and face-amount certificate companies, whose shares contain no provision requiring redemption by the company upon request of the security holder. Unit investment trust companies (1) are organized under a trust indenture, contract of custodianship or agency, or similar instrument; (2) do not have a board of directors; and (3) issue only securities redeemable at the request of the security holder, each of which represents an undivided interest in a unit of specified securities, but does not include voting trusts. Face-amount certificates, sometimes referred to as guaranteed face-amount certificates, are essentially obligations of the issuing company to pay a fixed sum at a specified maturity date and usually require periodic payments by the purchaser.


MANAGEMENT INVESTMENT OFFICES, OPEN-END (SIC 6722)

Establishments primarily engaged in issuing shares, other than unit investment trusts and face-amount certificate companies, whose shares contain a provision requiring redemption by the company upon request of the security holder.


UNIT INVESTMENT TRUSTS, FACE-AMOUNT CERTIFICATE OFFICES, AND CLOSED-END MANAGEMENT INVESTMENT OFFICES (SIC 6726)

Establishments primarily engaged in issuing unit investment trusts or face-amount certificates; and establishments primarily engaged in issuing shares, other than investment trusts and face-amount certificate companies, whose shares contain no provision requiring redemption by the company upon request of the security holder. Unit investment trust companies (1) are organized under a trust indenture, contract of custodianship or agency, or similar instrument; (2) do not have a board of directors; and (3) issue only securities redeemable at the request of the security holder, each of which represents an undivided interest in a unit of specified securities, but does not include voting trusts. Face-amount certificates, sometimes referred to as guaranteed face-amount certificates, are essentially obligations of the issuing company to pay a fixed sum at a specified maturity date and usually require periodic payments by the purchaser.


TRUSTS (SIC 673)

Establishments primarily engaged in the management of the funds of individual trusts and foundations. Trusts and funds which are predominantly operating establishments are classified according to the kind of business operated.


EDUCATIONAL, RELIGIOUS, AND CHARITABLE TRUSTS (SIC 6732)

Establishments primarily engaged in the management of the funds of trusts and foundations organized for religious, educational, charitable, or nonprofit research purposes.


TRUSTS, EXCEPT EDUCATIONAL, RELIGIOUS, AND CHARITABLE (SIC 6733)

Establishments primarily engaged in the management of the funds of trusts and foundations organized for purposes other than religious, educational, charitable, or nonprofit research.


MISCELLANEOUS INVESTING (SIC 679)

Establishments primarily engaged in investing in oil and gas royalties or leases, or fractional interest therein.

Establishments primarily engaged in owning or leasing franchises, patents, and copyrights which they in turn license others to use.

Establishments primarily engaged in closed-end investments in real estate or related mortgage assets operating so that they could meet the requirements of the Real Estate Investment Trust Act of 1960 as amended. This act exempts trusts from corporate income and capital gains taxation, providing they invest primarily in specified assets, pay out most of their income to shareholders, and meet certain requirements regarding the dispersion of trust ownership.

Establishment primarily engaged in investing, not elsewhere classified.


OIL ROYALTY TRADERS (SIC 6792)

Establishments primarily engaged in investing in oil and gas royalties or leases, or fractional interest therein.


PATENT OWNERS AND LESSORS (SIC 6796)

Establishments primarily engaged in owning or leasing franchises, patents, and copyrights which they in turn license others to use.


REAL ESTATE INVESTMENT TRUSTS (SIC 6798)

Establishments primarily engaged in closed-end investments in real estate or related mortgage assets operating so that they could meet the requirements of the Real Estate Investment Trust Act of 1960 as amended. This act exempts trusts from corporate income and capital gains taxation, providing they invest primarily in specified assets, pay out most of their income to shareholders, and meet certain requirements regarding the dispersion of trust ownership.


INVESTORS, N.E.C. (SIC 6799)

Establishment primarily engaged in investing, not elsewhere classified.

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back Revised 11/21/96