<owl:Class xmlns="https://folio.openlegalstandard.org/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:v1="http://www.loc.gov/mads/rdf/v1#" xmlns:owl="http://www.w3.org/2002/07/owl#" xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:xsd="http://www.w3.org/2001/XMLSchema#" xmlns:folio="https://folio.openlegalstandard.org/" xmlns:rdfs="http://www.w3.org/2000/01/rdf-schema#" xmlns:skos="http://www.w3.org/2004/02/skos/core#" rdf:about="https://folio.openlegalstandard.org/NSVpiebJSkGCmi49WrOQrA">
  <rdfs:subClassOf rdf:resource="https://folio.openlegalstandard.org/XHc0tt-jSUqvcKZXy3T3DA"/>
  <rdfs:isDefinedBy rdf:resource="https://www.naics.com/six-digit-naics/?code=52412"/>
  <rdfs:label>Direct Insurance (except Life, Health, and Medical) Carriers</rdfs:label>
  <skos:definition>This industry comprises establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) various types of insurance policies (except life, disability income, accidental death and dismemberment, and health and medical insurance policies).</skos:definition>
  <skos:example>Automobile insurance carriers, direct</skos:example>
  <skos:example>Bank deposit insurance carriers, direct</skos:example>
  <skos:example>Mortgage guaranty insurance carriers, direct</skos:example>
  <skos:example>Property and casualty insurance carriers, direct</skos:example>
  <skos:example>Title insurance carriers, real estate, direct</skos:example>
  <skos:example>Warranty insurance carriers (e.g., appliance, automobile, homeowners', product), direct</skos:example>
</owl:Class>