Business Owners

Business Owners Insurance

Business People

Main Street America’s Main Line Business Owner’s Policy (Main Line BOP) was designed with your small business in mind. We offer the coverages needed in today’s dynamic marketplace to protect what’s important to you: your livelihood. We are proud to offer small business owners a variety of coverages designed to protect your specific needs, including:

  • Contractors – Carpentry, masonry, painting, landscaping, electrical work, carpet and floor installation, janitorial services, heating and air conditioning, concrete construction
  • Offices – Lawyers, accountants, real estate agents, physicians or surgeons
  • Services – Hair salons, barber shops, photographers or interior decorators
  • Retail – Gift shops, clothing or apparel stores, home improvement stores
  • Restaurants – Delis, cafes, sandwich shops, fast food locations
  • Condos – Commercial
  • Wholesale – Electrical supplies or goods distributors


The Main Street America Group’s Main Line Business Owner’s product offers broad coverages for your business:

Liability Coverage

Insures against bodily injury, property damage, personal injury and advertising injury.

Buildings and Business Personal Property

Provides replacement cost coverage for buildings and most business personal property (property coverage is optional for Contractors).

Loss of Income and Extra Expense

Protects loss of business income resulting from an insured’s loss. We insure your net income and continuing normal operating expenses, including payroll, for up to 12 months.

Employment Practices Liability Insurance

Provides coverage for costs of defending employers against employee allegations of discrimination, wrongful termination, harassment and other wrongful employment acts.

Main Line Extension

Features a $150,000 blanket limit for specified coverages.

Equipment Breakdown

Breakdown protection of all mechanical and electrical equipment commonly used in your business (like computers, telephones and air conditioning units).

Identity Theft Coverage Addresses Growing Concern

Main Street America’s Main Line BOP automatically includes coverage for your business and personal identity information, which addresses one of the fastest-growing concerns of small business owners, including Contractors. Our Identity Theft coverage also includes resolution services to help you restore the reputation of your business should you become a victim.

Why Choose Us

The Main Street America Group was founded in 1923 in Keene, N.H., when the Grange Fraternity created an entity to provide affordable auto liability insurance to Grange Fraternity members. 


Today, Main Street America provides personal lines and commercial lines insurance to “Main Street” individuals, families, and small businesses, as well as fidelity bonds and surety bonds


Our products are offered exclusively through independent insurance agents. We believe that independent agents offer the best value when shopping for insurance because they represent many companies and can find the best combination of coverage, price, and service.


Main Street America’s products and services are backed by financial strength. We write over $1 billion in premium annually and carry an “A” (“Excellent”) Financial Strength Rating and “a+” Issuer Credit Rating from A.M. Best, the insurance industry’s premier rating organization.