The majority of establishments in the insurance industry were small, however, a few large establishments accounted for many of the jobs in this industry. Insurance carriers tend to be large establishments, often employing 250 or more workers, whereas agencies and brokerages tend to be much smaller, frequently employing fewer than 20 workers.

Many insurance carriers' home and regional offices are situated near large urban centers. Insurance workers who deal directly with the public—sales agents and claims adjusters—are located throughout the country. Almost all insurance sales agents work out of local company offices or independent agencies. Many claims adjusters work for independent firms in small cities and towns throughout the country.