Direct Property and Casualty Insurance Carriers This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) insurance policies that protect policyholders against losses that may occur as a result of property damage or liability. Automobile insurance carriers, direct Fidelity insurance carriers, direct Homeowners' insurance carriers, direct Liability insurance carriers, direct Malpractice insurance carriers, direct Mortgage guaranty insurance carriers, direct Surety insurance carriers, direct