Main Street America Insurance

Main Street America Insurance

Working Together. Insuring Tomorrow.

Welcome to Main Street America Insurance Agent Resources

Learn more about becoming a Main Street America agent and our unwavering commitment to offering technology, products and resources to help our independent agent partners protect their customers and achieve profitable growth.

A commitment to Main Street America independent agents

We know that you work hard to build your business, and that you can
and should choose your carriers carefully. With so many choices available, why
choose to work with us? For nearly 100 years, we have successfully partnered
with independent agents to provide affordable insurance to individuals,
families and small businesses. This unwavering commitment to the independent
agent distribution channel, drives everything we do. 


FINANCIAL STRENGTH:

  • $1.1 Billion Direct Written Premium
  • $648 million surplus
  • $856 million total assets
  • “A” (“Excellent”) Financial
  • Strength Rating
  • “a+” Issuer Credit Rating 

Contact Info

To Learn More About Becoming An Appointed Agent, please email: AgencyAppointmentINQ@msagroup.com

Main Street America Insurance - Risk Appetite

powered by Ask Kodiak

Select the coverage below to learn more about what we offer.

Select this option for customers that do NOT require building coverage.

Available In

Appetite by Sector

Business Owners Policy WITHOUT Building Coverage has eligible classes in 13 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Professional, Scientific, and Technical Services
3. Wholesale Trade
4. Accommodation and Food Services
5. Health Care and Social Assistance
6. Administrative and Support and Waste Management and Remediation Services
7. Real Estate and Rental and Leasing
8. Educational Services
9. Other Services (except Public Administration)
10. Information
11. Finance and Insurance
12. Manufacturing
13. Arts, Entertainment, and Recreation

Highlights

  • New business policies will automatically receive the Business Owners Extension Endorsement (BP 80 00) that has 37 distinct coverage additions or expansions. Some state restrictions apply
  • Add the Business Owners Policy Enhancement Endorsement (BP 90 00) for even more robust coverage as it adds another 24 additional or expanded coverages. Some state restrictions apply. Below are a few of the coverages available on this form (see product guide or form for a full list):
  • **Blanket limit of $150,000 that applies to Accounts Receivables, Debris Removal, Electronic Data, Personal Property of Others, and Valuable Papers and Records
  • **Spoilage due to equipment breakdown, contamination or power outage with a limit of $25,000
  • **Utility Failure - Off Premises with a limit of $25,000
  • **Utility Services - Direct Damage with a limit of $10,000
  • **Utility Services - Time Element (Business Income & Extra Expense) with a limit of $25,000
  • and so many more...

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$340.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Business Owners Policy WITHOUT Building Coverage generally meet the following guidelines.

Years in Business
0 (min)
Number of Locations
1 (min)
Number of Buildings
1 (min)
Acceptable Entities
C Corporation
Closely Held Corporation
Corporation
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Resources

Eligible risks for Main Street America Insurance Business Owners Policy WITHOUT Building Coverage generally meet the following guidelines.

Select this option for customers that REQUIRE building coverage.

Available In

Appetite by Sector

Business Owners Policy WITH Building Coverage has eligible classes in 13 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Wholesale Trade
3. Professional, Scientific, and Technical Services
4. Health Care and Social Assistance
5. Accommodation and Food Services
6. Administrative and Support and Waste Management and Remediation Services
7. Finance and Insurance
8. Real Estate and Rental and Leasing
9. Management of Companies and Enterprises
10. Other Services (except Public Administration)
11. Information
12. Arts, Entertainment, and Recreation
13. Manufacturing

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$340.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Business Owners Policy WITH Building Coverage generally meet the following guidelines.

Years in Business
3 (min)
Annual Revenue
$15,000,000 (max)
Total Insured Value
$15,000,000 (max)
Number of Locations
1 - 99
Number of Buildings
1 - 99
Acceptable Entities
Association
C Corporation
Co-Employer
Closely Held Corporation
Common Ownership
Corporation
Condo Owners
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Resources

Eligible risks for Main Street America Insurance Business Owners Policy WITH Building Coverage generally meet the following guidelines.

With workers' compensation insurance on Main Street Commercial+, your clients can protect their businesses and employees in case of injury or illness.

Available In

Appetite by Sector

Main Street Commercial+ Workers' Compensation has eligible classes in 15 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Agriculture, Forestry, Fishing and Hunting
2. Retail Trade
3. Professional, Scientific, and Technical Services
4. Wholesale Trade
5. Administrative and Support and Waste Management and Remediation Services
6. Accommodation and Food Services
7. Health Care and Social Assistance
8. Educational Services
9. Construction
10. Manufacturing
11. Other Services (except Public Administration)
12. Real Estate and Rental and Leasing
13. Finance and Insurance
14. Information
15. Arts, Entertainment, and Recreation

Highlights

  • Multipolicy discount of up to 5% available in all states except AZ, FL, ID, MA, NC, NJ, NY, and PA
  • Full pay discount of up to 5% available in all states except AZ, FL, ID, MA, NC, NJ, and NY
  • Experience Modification Factor is automatically retrieved and applied during the quote and available for all states
  • Multi-location and multi-state available
  • Automatic E-Signature process utilized to obtain customer signatures for regulatory officer inclusion or exclusion acknowledgements

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$100.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Main Street America Insurance Main Street Commercial+ Workers' Compensation generally meet the following guidelines.

Our commercial auto insurance provides the right protection to keep your clients' business moving.

Available In

Appetite by Sector

Main Street Station: Commercial Auto has eligible classes in 15 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Agriculture, Forestry, Fishing and Hunting
2. Retail Trade
3. Professional, Scientific, and Technical Services
4. Wholesale Trade
5. Health Care and Social Assistance
6. Administrative and Support and Waste Management and Remediation Services
7. Accommodation and Food Services
8. Manufacturing
9. Construction
10. Real Estate and Rental and Leasing
11. Finance and Insurance
12. Other Services (except Public Administration)
13. Management of Companies and Enterprises
14. Information
15. Arts, Entertainment, and Recreation

Highlights

  • Increased Protection for your business is available! Commercial Auto Elite and Commercial Auto Elite Plus endorsements provide excellent coverage for your business’ vehicles at very affordable prices. Informational fliers can be found in the Resources section below.
  • * Elite and Elite Plus coverages vary by state, see Agents Only for your state's specific coverages

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$100.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Our commercial umbrella protects businesses against excess liability judgments for loss, injury or death caused by negligent acts or unexpected events.

Available In

Appetite by Sector

Main Street Station: Commercial Umbrella has eligible classes in 15 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Professional, Scientific, and Technical Services
3. Wholesale Trade
4. Health Care and Social Assistance
5. Administrative and Support and Waste Management and Remediation Services
6. Accommodation and Food Services
7. Construction
8. Educational Services
9. Manufacturing
10. Real Estate and Rental and Leasing
11. Other Services (except Public Administration)
12. Finance and Insurance
13. Management of Companies and Enterprises
14. Information
15. Arts, Entertainment, and Recreation

Highlights

  • A commercial umbrella policy on our Main Street Station product can extend over underlying policies on both Main Street Station and Main Street Express.

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$100.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Main Street America Insurance Main Street Station: Commercial Umbrella generally meet the following guidelines.

With our general liability business insurance, your clients can get the coverage they need for injury, property damage, and lawsuit risks.

Available In

Appetite by Sector

Main Street Station: General Liability has eligible classes in 5 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Manufacturing
2. Construction
3. Administrative and Support and Waste Management and Remediation Services
4. Other Services (except Public Administration)
5. Professional, Scientific, and Technical Services

Highlights

  • Our competitively priced Contractors Inland Marine Endorsement, you receive these additional coverages:
  • * Leased/rented/borrowed equipment for $100,000/30 days, some states offer $250,000/60 days (See Agents Only for state specifics)
  • * Installation coverage (including property on premises, in temporary storage and in transit) for $10,000
  • * Unscheduled contractors equipment for $25,000
  • * Contractors tools at replacement cost for $10,000

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$100.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Main Street Station: General Liability generally meet the following guidelines.

Years in Business
2 (min)
Annual Revenue
$15,000,000 (max)
Total Insured Value
$15,000,000 (max)
Number of Locations
0 - 99
Number of Buildings
0 - 99
Acceptable Entities
Association
C Corporation
Co-Employer
Closely Held Corporation
Common Ownership
Corporation
Condo Owners
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Resources

Eligible risks for Main Street America Insurance Main Street Station: General Liability generally meet the following guidelines.

With our workers' compensation insurance, your clients can protect their businesses and employees in case of injury or illness.

Available In

Appetite by Sector

Main Street Station: Workers' Compensation has eligible classes in 17 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Agriculture, Forestry, Fishing and Hunting
3. Professional, Scientific, and Technical Services
4. Wholesale Trade
5. Health Care and Social Assistance
6. Accommodation and Food Services
7. Administrative and Support and Waste Management and Remediation Services
8. Construction
9. Manufacturing
10. Real Estate and Rental and Leasing
11. Other Services (except Public Administration)
12. Finance and Insurance
13. Educational Services
14. Management of Companies and Enterprises
15. Information
16. Arts, Entertainment, and Recreation
17. Public Administration

Highlights

  • A workers’ compensation policy written with Main Street America assurance carrier can be paired with our Main Line Business Owners Policy (Main Line BOP) and/or with our commercial auto coverage. By adding either of these coverages to your clients’ portfolio, you can meet all of your commercial insured’s needs with one financially strong carrier.

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$100.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Main Street America Insurance Main Street Station: Workers' Compensation generally meet the following guidelines.

Our commercial auto insurance provides the right protection to keep your clients' business moving.

Available In

Appetite by Sector

Main Street Commercial+ Auto has eligible classes in 16 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Agriculture, Forestry, Fishing and Hunting
3. Professional, Scientific, and Technical Services
4. Wholesale Trade
5. Administrative and Support and Waste Management and Remediation Services
6. Accommodation and Food Services
7. Construction
8. Health Care and Social Assistance
9. Real Estate and Rental and Leasing
10. Other Services (except Public Administration)
11. Educational Services
12. Manufacturing
13. Information
14. Finance and Insurance
15. Transportation and Warehousing
16. Arts, Entertainment, and Recreation

Highlights

  • Consider adding one of our newest bundled endorsements, the Business Auto Policy Enhancement Endorsement (BAPEE) that provides increased protection for businesses at an affordable price, 2 percent of policy premium or a minimum $30 charge per policy. Some of the highlighted coverages are listed below, but to see the full list of coverages please refer to the product guide or the policy form (CA 76 13):
  • **Blanket additional insured by permit or agreement
  • **Expands transportation expense to include private passenger autos
  • **Increases the limit for transportation expense due to theft of an insured auto from $20 a day/$600 max to limits of $75 a day/$2,250 max
  • **Adds $1,500 for fire department services to protect or save a covered auto
  • **Adds physical damage coverage for loss to a vehicle wrap installed on the covered auto
  • and so much more...

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$100.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Main Street America Insurance Main Street Commercial+ Auto generally meet the following guidelines.

Our business owners policy (BOP) combines various insurance coverages – such as commercial property insurance, general liability and business income – into one convenient policy.

Available In

Appetite by Sector

Main Street Commercial+ BOP & Optional Professional Liability has eligible classes in 1 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Health Care and Social Assistance

Highlights

  • ** NEW ** Chiropractor Professional Liability Endorsement
  • This endorsement protects a chiropractor’s office or a Doctor of Chiropractic Medicine from the financial risks of a patient’s claim that he or she was injured as a result of the physicians’ negligence (some exclusions apply). This endorsement also offers:
  • ~ “Defense Only” coverage of $25,000.
  • ~ Choice of Medical Professional Liability (MPL) limit options for indemnity with limit options of: None, $100,000/$300,000, $200,000/$600,000, and $250,000/$750,000
  • ~ Occurrence Coverage.
  • ~ Defense Inside the Limits.
  • ~ Coverage for up to 10 chiropractors in a practice (the business owner plus up 9 named chiropractors)
  • If you have any questions or need additional information about our Chiropractor Professional Liability Endorsement, please contact your commercial lines underwriter or sales representative.

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$340.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Main Street Commercial+ BOP & Optional Professional Liability generally meet the following guidelines.

Years in Business
0 (min)
Number of Locations
1 - 99
Number of Buildings
1 - 99
Acceptable Entities
C Corporation
Closely Held Corporation
Corporation
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Resources

Eligible risks for Main Street America Insurance Main Street Commercial+ BOP & Optional Professional Liability generally meet the following guidelines.

Our business owners policy (BOP) combines various insurance coverages – such as commercial property insurance, general liability and business income – into one convenient policy.

Available In

Appetite by Sector

Main Street Express: Business Owners Policy has eligible classes in 13 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Professional, Scientific, and Technical Services
3. Wholesale Trade
4. Accommodation and Food Services
5. Health Care and Social Assistance
6. Administrative and Support and Waste Management and Remediation Services
7. Real Estate and Rental and Leasing
8. Educational Services
9. Other Services (except Public Administration)
10. Information
11. Finance and Insurance
12. Manufacturing
13. Arts, Entertainment, and Recreation

Highlights

  • Add the Business Owners Policy Enhancement Endorsement (BP 90 00) for even more robust coverage as it adds another 24 additional or expanded coverages. Some state restrictions apply. Below are a few of the coverages available on this form (see product guide or form for a full list):
  • **Blanket limit of $150,000 that applies to Accounts Receivables, Debris Removal, Electronic Data, Personal Property of Others, and Valuable Papers and Records
  • **Spoilage due to equipment breakdown, contamination or power outage with a limit of $25,000
  • **Utility Failure - Off Premises with a limit of $25,000
  • **Utility Services - Direct Damage with a limit of $10,000
  • **Utility Services - Time Element (Business Income & Extra Expense) with a limit of $25,000
  • and so many more...

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$340.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Main Street Express: Business Owners Policy generally meet the following guidelines.

Years in Business
0 (min)
Number of Locations
1 (min)
Number of Buildings
1 (min)
Acceptable Entities
C Corporation
Closely Held Corporation
Corporation
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Resources

Eligible risks for Main Street America Insurance Main Street Express: Business Owners Policy generally meet the following guidelines.

Our business owners policy (BOP) combines various insurance coverages – such as commercial property insurance, general liability and business income – into one convenient policy.

Available In

Appetite by Sector

Main Street Commercial+ Business Owners Policy has eligible classes in 13 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Professional, Scientific, and Technical Services
3. Wholesale Trade
4. Accommodation and Food Services
5. Health Care and Social Assistance
6. Administrative and Support and Waste Management and Remediation Services
7. Real Estate and Rental and Leasing
8. Educational Services
9. Other Services (except Public Administration)
10. Information
11. Finance and Insurance
12. Manufacturing
13. Arts, Entertainment, and Recreation

Highlights

  • New business policies will automatically receive the Business Owners Extension Endorsement (BP 80 00) that has 37 distinct coverage additions or expansions. Some state restrictions apply
  • Add the Business Owners Policy Enhancement Endorsement (BP 90 00) for even more robust coverage as it adds another 24 additional or expanded coverages. Some state restrictions apply. Below are a few of the coverages available on this form (see product guide or form for a full list):
  • **Blanket limit of $150,000 that applies to Accounts Receivables, Debris Removal, Electronic Data, Personal Property of Others, and Valuable Papers and Records
  • **Spoilage due to equipment breakdown, contamination or power outage with a limit of $25,000
  • **Utility Failure - Off Premises with a limit of $25,000
  • **Utility Services - Direct Damage with a limit of $10,000
  • **Utility Services - Time Element (Business Income & Extra Expense) with a limit of $25,000
  • and so many more...

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$340.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Main Street Commercial+ Business Owners Policy generally meet the following guidelines.

Years in Business
0 (min)
Number of Locations
1 (min)
Number of Buildings
1 (min)
Acceptable Entities
C Corporation
Closely Held Corporation
Corporation
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Resources

Eligible risks for Main Street America Insurance Main Street Commercial+ Business Owners Policy generally meet the following guidelines.

Our commercial auto insurance provides the right protection to keep your clients' business moving.

Appetite by Sector

Main Street Express: Commercial Auto has eligible classes in 14 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Professional, Scientific, and Technical Services
3. Wholesale Trade
4. Administrative and Support and Waste Management and Remediation Services
5. Accommodation and Food Services
6. Construction
7. Health Care and Social Assistance
8. Real Estate and Rental and Leasing
9. Other Services (except Public Administration)
10. Educational Services
11. Manufacturing
12. Information
13. Finance and Insurance
14. Arts, Entertainment, and Recreation

Highlights

  • Consider adding one of our newest bundled endorsements, the Business Auto Policy Enhancement Endorsement (BAPEE) that provides increased protection for businesses at an affordable price, 2 percent of policy premium or a minimum $30 charge per policy. Some of the highlighted coverages are listed below, but to see the full list of coverages please refer to the product guide or the policy form (CA 76 13) (some state specials apply to FL and VA):
  • **Blanket additional insured by permit or agreement
  • **Expands transportation expense to include private passenger autos
  • **Increases the limit for transportation expense due to theft of an insured auto from $20 a day/$600 max to limits of $75 a day/$2,250 max
  • **Adds $1,500 for fire department services to protect or save a covered auto
  • **Adds physical damage coverage for loss to a vehicle wrap installed on the covered auto
  • and so much more...

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$100.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Main Street Express: Commercial Auto generally meet the following guidelines.

Years in Business
0 (min)
Number of Vehicles
1 (min)
Acceptable Entities
C Corporation
Closely Held Corporation
Corporation
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Resources

Eligible risks for Main Street America Insurance Main Street Express: Commercial Auto generally meet the following guidelines.

Our business owners policy (BOP) combines various insurance coverages – such as commercial property insurance, general liability and business income – into one convenient policy.

Appetite by Sector

Main Street Express: BOP & Optional Professional Liability has eligible classes in 1 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Health Care and Social Assistance

Highlights

  • ** NEW ** Chiropractor Professional Liability Endorsement
  • This endorsement protects a chiropractor’s office or a Doctor of Chiropractic Medicine from the financial risks of a patient’s claim that he or she was injured as a result of the physicians’ negligence (some exclusions apply). This endorsement also offers:
  • ~ “Defense Only” coverage of $25,000.
  • ~ Choice of Medical Professional Liability (MPL) limit options for indemnity with limit options of: None, $100,000/$300,000, $200,000/$600,000, and $250,000/$750,000
  • ~ Occurrence Coverage.
  • ~ Defense Inside the Limits.
  • ~ Coverage for up to 10 chiropractors in a practice (the business owner plus up 9 named chiropractors)
  • If you have any questions or need additional information about our Chiropractor Professional Liability Endorsement, please contact your commercial lines underwriter or sales representative.

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$340.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Main Street Express: BOP & Optional Professional Liability generally meet the following guidelines.

Years in Business
0 (min)
Number of Locations
1 - 99
Number of Buildings
1 - 99
Acceptable Entities
C Corporation
Closely Held Corporation
Corporation
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Resources

Eligible risks for Main Street America Insurance Main Street Express: BOP & Optional Professional Liability generally meet the following guidelines.

With our general liability business insurance, your clients can get the coverage they need for injury, property damage, and lawsuit risks.

Available In

Appetite by Sector

Main Street Express: General Liability has eligible classes in 14 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Professional, Scientific, and Technical Services
2. Retail Trade
3. Administrative and Support and Waste Management and Remediation Services
4. Health Care and Social Assistance
5. Construction
6. Accommodation and Food Services
7. Manufacturing
8. Educational Services
9. Real Estate and Rental and Leasing
10. Other Services (except Public Administration)
11. Finance and Insurance
12. Wholesale Trade
13. Arts, Entertainment, and Recreation
14. Information

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$275.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Main Street Express: General Liability generally meet the following guidelines.

Years in Business
0 (min)
Acceptable Entities
C Corporation
Closely Held Corporation
Corporation
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Resources

Eligible risks for Main Street America Insurance Main Street Express: General Liability generally meet the following guidelines.

Our Business Owners Policy insurance covers liability and property risks to protect your small- and medium- sized business clients.

Available In

Appetite by Sector

Main Street Station: Business Owners Policy - Lessors Risk Only has eligible classes in 1 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Real Estate and Rental and Leasing

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$340.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Main Street Station: Business Owners Policy - Lessors Risk Only generally meet the following guidelines.

Years in Business
3 (min)
Annual Revenue
$15,000,000 (max)
Total Insured Value
$15,000,000 (max)
Number of Locations
1 - 99
Number of Buildings
1 - 99
Acceptable Entities
Association
C Corporation
Co-Employer
Closely Held Corporation
Common Ownership
Corporation
Condo Owners
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Our Business Owners Policy insurance covers liability and property risks to protect your small- and medium- sized business clients.

Available In

Appetite by Sector

Main Street Station: Business Owners Policy has eligible classes in 13 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Wholesale Trade
3. Professional, Scientific, and Technical Services
4. Health Care and Social Assistance
5. Accommodation and Food Services
6. Administrative and Support and Waste Management and Remediation Services
7. Finance and Insurance
8. Real Estate and Rental and Leasing
9. Management of Companies and Enterprises
10. Other Services (except Public Administration)
11. Information
12. Arts, Entertainment, and Recreation
13. Manufacturing

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$340.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Main Street Station: Business Owners Policy generally meet the following guidelines.

Years in Business
3 (min)
Annual Revenue
$15,000,000 (max)
Total Insured Value
$15,000,000 (max)
Number of Locations
1 - 99
Number of Buildings
1 - 99
Acceptable Entities
Association
C Corporation
Co-Employer
Closely Held Corporation
Common Ownership
Corporation
Condo Owners
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

With our commercial package policy, your clients can get the coverage they need for injury, property damage, and lawsuit risks.

Available In

Appetite by Sector

Main Street Commercial+ Commercial Package has eligible classes in 14 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Professional, Scientific, and Technical Services
2. Retail Trade
3. Administrative and Support and Waste Management and Remediation Services
4. Health Care and Social Assistance
5. Construction
6. Accommodation and Food Services
7. Manufacturing
8. Educational Services
9. Real Estate and Rental and Leasing
10. Other Services (except Public Administration)
11. Finance and Insurance
12. Wholesale Trade
13. Arts, Entertainment, and Recreation
14. Information

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$275.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Main Street America Insurance Main Street Commercial+ Commercial Package generally meet the following guidelines.

Years in Business
0 (min)
Acceptable Entities
C Corporation
Closely Held Corporation
Corporation
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Resources

Eligible risks for Main Street America Insurance Main Street Commercial+ Commercial Package generally meet the following guidelines.

Our commercial umbrella protects businesses against excess liability judgments for loss, injury or death caused by negligent acts or unexpected events.

Available In

Appetite by Sector

Main Street Commercial+ Umbrella has eligible classes in 14 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Professional, Scientific, and Technical Services
3. Wholesale Trade
4. Accommodation and Food Services
5. Administrative and Support and Waste Management and Remediation Services
6. Health Care and Social Assistance
7. Construction
8. Educational Services
9. Real Estate and Rental and Leasing
10. Manufacturing
11. Other Services (except Public Administration)
12. Information
13. Finance and Insurance
14. Arts, Entertainment, and Recreation

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$340.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Main Street America Insurance Main Street Commercial+ Umbrella generally meet the following guidelines.

Our commercial umbrella protects businesses against excess liability judgments for loss, injury or death caused by negligent acts or unexpected events.

Appetite by Sector

Main Street Express: Commercial Umbrella has eligible classes in 14 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Professional, Scientific, and Technical Services
3. Wholesale Trade
4. Accommodation and Food Services
5. Administrative and Support and Waste Management and Remediation Services
6. Health Care and Social Assistance
7. Construction
8. Educational Services
9. Real Estate and Rental and Leasing
10. Manufacturing
11. Other Services (except Public Administration)
12. Information
13. Finance and Insurance
14. Arts, Entertainment, and Recreation

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$340.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Main Street America Insurance Main Street Express: Commercial Umbrella generally meet the following guidelines.

MSA offers various bonds to meet your clients' needs. See "Learn More" for details on which bond type is eligible.

Available In

Appetite by Sector

Bonds has eligible classes in 18 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Agriculture, Forestry, Fishing and Hunting
2. Utilities
3. Construction
4. Wholesale Trade
5. Information
6. Finance and Insurance
7. Real Estate and Rental and Leasing
8. Professional, Scientific, and Technical Services
9. Management of Companies and Enterprises
10. Administrative and Support and Waste Management and Remediation Services
11. Educational Services
12. Health Care and Social Assistance
13. Accommodation and Food Services
14. Other Services (except Public Administration)
15. Manufacturing
16. Retail Trade
17. Transportation and Warehousing
18. Arts, Entertainment, and Recreation

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$0.00
Maximum
$15,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.