Main Street America Group (MSA): Restaurants Insurance Appetite
Main Street America Group (MSA) is a standard/admitted carrier. Licensed in all 48 contiguous states plus Alaska. Excludes California and Hawaii. Some product availability (e.g. Monoline WC) and endorsement options vary significantly by state. Targets businesses with 1+ employees, up to 50 employees.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
Premium Range
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Typical annual premium
Target States
48 states
Key Features
- Main Street Commercial+™ Business Owners Policy (BOP) (includes Building and Business Personal Property, Liability and Medical Expenses, Business Income & Extra Expense)
- Main Street Commercial+ Commercial Automobile Program: Coverage for business-owned vehicles including liability, physical damage, and various optional enhancements. (includes Liability, Uninsured/Underinsured Motorist, Comprehensive)
- Main Street Commercial+™ Workers' Compensation: Standard workers' compensation policy providing medical and wage benefits for employees injured on the job. (includes Employer's Liability, Automated Experience Mod Lookup, Multi-state/Multi-location Quoting)
- General Liability Insurance: Protects businesses from claims of bodily injury, property damage, and advertising injury. (includes Bodily Injury, Property Damage, Advertising Injury)
Limitations
- Does not offer Liquor Liability, EPLI — may need separate placement
- Bars, Taverns, and Night Clubs may face underwriting restrictions: High-risk liquor and entertainment exposure
- Maximum revenue limit: $10.0M
- Requires 3+ years in business
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