Business Owners Insurance
At Main Street America Insurance, we understand that your success is our success. It's a shared ambition. That's why our products and coverage options equip you with customizable solutions to meet your needs. Our business owners policy product is among the best coverage available in the market today, and with our new Main Line Business Owner's Policy (Main Line BOP), you get all the traditional coverage of a business owners policy product, but with extra coverages, more options and broader eligibility, offering a great value and protecting 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 but not limited to:
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
Coverages
You've built your company from the ground up. We've built our products around you. Main Street America Insurance recognizes the heart and soul you've put into making your business stand out from the pack. That's why we offer highly customizable solutions to help you find just the right fit.
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
Your Identity is Safe With Us
We realize that your reputation as a business and as a small business owner may often be directly tied to your success and livelihood. To address the growing concern over identity theft in our highly digital world, Main Street America's Main Line BOP automatically includes Identity Theft coverage for your business and personal identity information. If you become a victim, our Identity Theft coverage also includes resolution services to help you restore the reputation of your business and maintain the trust you've worked hard to build.