Main Street America
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Main Street America Insurance (an American Family company) has repositioned as a commercial-lines-focused carrier and is exiting personal lines to concentrate on small and middle‑market business, farm & ranch, and surety/bonds written through independent agents. OVERALL COMMERCIAL APPETITE & POSITIONING • Strategy is now commercial-only, with emphasis on small business, farm and ranch, and bonds; personal lines are being discontinued following the 2024–2025 strategic shift. • Core small commercial products are delivered on the Main Street Commercial+ platform: Business Owners Policy, Commercial Package Policy, Commercial Auto, Workers’ Compensation, and Umbrella, plus Farm & Ranch and surety/bond offerings. • Target distribution is independent agents with regional expertise; carrier stresses ease of use of the commercial platform, quick quoting, and strong underwriting/claims support for agents. TARGET / PREFERRED BUSINESS (HIGH LEVEL) • Small to lower middle‑market “Main Street” commercial accounts written on BOP or CPP – typical local businesses such as light mercantile, professional offices, service contractors, small manufacturers, and similar risks that fit admitted standard markets. • Workers’ Compensation for standard classes that fit a Main Street profile (no detailed public class list found, but Trusted Choice appetite materials and platform marketing point to small business accounts with stable operations and conventional exposures on the Commercial+ platform). • Business Owners Policy and Commercial Package for accounts combining property and GL with business income and optional coverages; appetite by sector is communicated via agent‑facing appetite guides and the Trusted Choice/Market Appetite interfaces rather than a single public PDF. • Farm & Ranch accounts with typical production agriculture operations (row crops, hay, beef, dairy, hogs and similar), along with related farm property and liability, are a focus line supporting rural commercial footprints. • Surety and bonds (contract and commercial) written to support small and middle‑market businesses, including contractor and license/permit bonds. RESTRICTED / DECLINED CLASSES (INFERRED THEMES) • Carrier emphasizes Main Street/small business appetite and does not market itself as a high‑hazard, surplus‑lines, or catastrophe‑driven property writer. • High‑hazard WC classes (heavy construction, USL&H, large transportation fleets, high‑risk manufacturing, and complex multi‑state risks) are likely restricted or require special underwriting approval. • High‑severity or highly specialized liability classes (e.g., large habitational schedules with adverse loss experience, large food‑delivery/transportation fleets, heavy industrial, energy, or environmental risks) are usually outside standard Main Street appetite unless handled through specialized programs. • Personal lines homeowners, personal auto, and personal umbrella are being exited; new placements in those lines should be assumed unavailable or extremely limited as of the current commercial‑only strategy. GEOGRAPHIC NOTES • Writes business across the U.S. via independent agents; part of the American Family Insurance Group, with a national commercial footprint. • Platform and transition materials show Main Street Commercial+ is being rolled out broadly and BOP, Commercial Auto, Commercial Package, Umbrella, and Workers’ Compensation renewals are being moved from the legacy Main Street Station system to Commercial+ on a state‑by‑state schedule. • No public list of fully ineligible states, but WC and other lines will follow state regulatory and filed‑rate status; monopolistic WC states (ND, OH, WA, WY) will not be available for standard WC coverage. SUBMISSION & PLATFORM / PROCESS EXPECTATIONS • All new business and renewals for BOP, CPP, Commercial Auto, Umbrella, and WC are being migrated to the Main Street Commercial+ platform; agents should quote and manage these lines there once a state and product are live. • The carrier communicates transition timing and instructions to appointed agencies via renewal‑transition bulletins and email; renewals from the legacy Main Street Station are being automatically moved to Commercial+ with specific handling guidance for agents. • New agency appointments are available; prospective agencies complete an online appointment form and are contacted by the appointment team for review and onboarding. • Product‑specific details (coverages, optional endorsements, and detailed appetite by sector) are provided through agent product guides and appetite tools accessible once appointed; agents are expected to consult those guides for class‑level eligibility, limits, and special underwriting requirements. BROKER / PRODUCER NOTES • Distribution is strictly through independent agents; no direct‑to‑consumer quoting for core commercial products. • Main Street America emphasizes close agent relationships, regional underwriting support, and responsiveness. Producers are expected to: – Use the Main Street Commercial+ platform for rating, quoting, and policy servicing. – Follow state/product rollout updates and renewal‑transition instructions. – Use provided appetite tools (Trusted Choice, IVANS Market Appetite, and internal guides) to screen classes before submission. • For risks at the edge of appetite (e.g., unusual WC classifications, larger property TIVs, or multi‑location accounts), agents are expected to contact their underwriter early for pre‑submission guidance. Because Main Street America does not publish a single consolidated public underwriting manual, class‑by‑class eligibility, restricted classes, and detailed WC rules should be confirmed in the agency portal product guides or directly with the territorial underwriter before binding.