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
Operational snapshot based on currently published, carrier‑side material and recent market updates: 1) Strategic focus & product set - Main Street America (an American Family company) is now positioned as a property & casualty carrier focused on commercial lines and surety, with personal lines largely exited in most states. Personal lines exit has been widely reported in industry bulletins; agents should treat new personal lines placements as restricted/legacy only and confirm availability state‑by‑state with their marketing rep. - Actively promoted commercial offerings: BOP, Commercial Package (GL/Property), Commercial Auto, Umbrella, Workers’ Compensation, Bonds/Surety, Flood, plus a Farm & Ranch program in select states.([msainsurance.com](https://msainsurance.com/becomeanagent?utm_source=openai)) 2) Geographic & platform notes - National commercial footprint via independent agents, subject to line‑of‑business and state filings. Agents are expected to be appointed; business is not written direct.([msainsurance.com](https://msainsurance.com/becomeanagent?utm_source=openai)) - Commercial renewals for BOP, Commercial Auto, Commercial Package, Umbrella and Workers Comp are being migrated from the legacy Main Street Station® system to the Main Street Commercial+® platform. Agents should follow transition instructions on the renewal‑transition hub for billing, payments, and reporting differences between legacy and Commercial+.([cloud.mail.msagroup.com](https://cloud.mail.msagroup.com/renewal-transition?utm_source=openai)) 3) Workers’ Compensation – appetite & UW themes - Core WC positioning: standard, admitted workers’ compensation for typical “main street” businesses, written through independent agents. Marketing material emphasizes long experience in WC and pairing with employer liability for workplace‑negligence suits.([msainsurance.com](https://msainsurance.com/business/workers-compensation?utm_source=openai)) - Preferred business (inferred from positioning and portfolio mix): - Stable small to mid‑market employers with conventional operations and clear payroll records (e.g., light manufacturing, retailers, professional offices, contractors within company appetite, farm/ranch operations tied to their agribusiness program where available). - Accounts that can be packaged with other commercial lines (BOP/CPP, Auto, Umbrella) and placed on Main Street Commercial+. - Restricted/declined (operationally, agents should assume standard WC red‑flag classes and high‑hazard work – e.g., heavy construction, high‑rise, blasting, USL&H, large fleets with poor loss history – will require underwriter review or be outside appetite; exact grids are not published and must be confirmed with the WC underwriter). - UW focus: state WC board requirements, loss history, safety record and payroll size as key rating drivers. Businesses using subcontractors are expected to evidence subs’ own WC to avoid charge‑back at audit.([msainsurance.com](https://msainsurance.com/business/workers-compensation?utm_source=openai)) 4) Commercial Package / BOP / Umbrella – appetite themes - Main Street states its commercial portfolio is designed for “main street” risks written through local independent agents, with a broad appetite across standard small‑business classes. Targeted offerings include: - BOP and commercial package for general mercantile, office, service, and qualifying contractors. - Commercial auto where there is a compatible package account. - Umbrella over BOP/CPP, Auto, WC and Farm & Ranch in eligible states.([msainsurance.com](https://msainsurance.com/becomeanagent?utm_source=openai)) - Farm & Ranch: separate product under Midvale Indemnity (Main Street America brand) with a broad appetite for row‑crop farms (corn, wheat, soybeans), hay, beef, dairy, hogs, equine, produce, and certain agritainment/agritourism exposures. Dwellings, farm structures, equipment and both personal and commercial liability can be packaged; umbrella and auto are available over the farm account. Quoted and bound online by appointed farm agencies and supported by dedicated farm underwriters.([iamagazine.com](https://www.iamagazine.com/2022/07/25/main-street-america-launches-full-suite-farm-and-ranch-product/?utm_source=openai)) - Preferred: small to mid‑sized, well‑managed accounts that fit BOP/CPP rating plans, can be written monoline or as a package and benefit from the Commercial+ workflow. - Restricted/declined (practical guidance): risks with heavy catastrophe exposure, significant unprotected frame habitational, high‑hazard manufacturing, or large fleet/auto‑driven loss exposure will typically need pre‑discussion with underwriting or may fall outside appetite, consistent with regional commercial carriers in the current market. 5) Home / Personal lines - Multiple industry and association communications indicate Main Street America has exited or is in the process of exiting the admitted personal‑lines market nationwide, with agents directed to move personal policies elsewhere.([blog.pia.org](https://blog.pia.org/2024/11/01/important-carrier-updates-market-withdrawals-and-insolvency-impact/?utm_source=openai)) - Operationally: treat new HO and personal auto submissions as closed unless your specific state/agency has written confirmation otherwise; assume remaining personal policies are in run‑off or being rewritten with other carriers (including Safeco or other partners in some territories).([doughertyinsurance.com](https://www.doughertyinsurance.com/blog/main-street-america-to-safeco-for-personal-lines-correction/?utm_source=openai)) 6) Submission & workflow expectations (agents/producers) - Distribution is through appointed independent agents; non‑appointed brokers should not submit direct. Become‑an‑Agent materials highlight access to dedicated commercial underwriting, claims and sales support for appointed producers.([msainsurance.com](https://msainsurance.com/becomeanagent?utm_source=openai)) - Commercial lines new business and renewals will increasingly flow through the Main Street Commercial+ platform. Agents should: - Use Commercial+ for new BOP, Commercial Auto, Commercial Package, Umbrella and WC where available. - Follow the renewal‑transition site for handling of in‑force business still in Main Street Station, including how installments/EP/billing will show during and after migration. - Expect underwriting to rely on standard ACORD apps and system‑driven eligibility/underwriting questions, with underwriter referral for non‑standard exposures.([cloud.mail.msagroup.com](https://cloud.mail.msagroup.com/renewal-transition?utm_source=openai)) - Claims are handled centrally; agents are expected to direct insureds to Main Street America’s 24/7 claim‑reporting channels but may assist with FNOL.([msainsurance.com](https://msainsurance.com/claims?utm_source=openai)) 7) Broker / producer notes - Appetite detail by class and state is not published in a public, carrier‑branded appetite grid; Ivans Market Appetite and similar tools are referenced as where the carrier has formally stated appetite for specific commercial risks. Agents should use those tools plus their field marketing underwriter for class‑level clarification.([s3.amazonaws.com](https://s3.amazonaws.com/market-appetite-content/faqs.html?utm_source=openai)) - Given the confirmed personal‑lines withdrawal, producers should: - Prioritize moving remaining HO/auto/PL umbrella to alternative markets on renewal. - Avoid marketing MSA as an ongoing personal‑lines option except where local underwriting explicitly confirms a transitional or niche program. - For Farm & Ranch, only appointed agencies with access to the online farm platform should quote; submissions are expected to be complete, with full schedules of locations, structures, livestock and operations to avoid re‑underwriting after bind.([iamagazine.com](https://www.iamagazine.com/2022/07/25/main-street-america-launches-full-suite-farm-and-ranch-product/?utm_source=openai)) Because Main Street America does not publish a detailed, public underwriting manual, class grids and many specific ‘decline’ lists remain carrier‑internal. Agents should treat the above as high‑level operational guidance and verify edge classes, large limits, or unusual geographies directly with their territory underwriter or marketing rep.