Main Street America Insurance: Protecting Your Small Business

Introduction to Main Street America Insurance


Main Street America Insurance Building

Main Street America Insurance is a well-known insurance company in the United States that specializes in providing insurance policies for businesses and individuals. The company started its operation in 1923 and has since then, dedicated itself to serving the community through its insurance services.

The company’s headquarters is located in Jacksonville, Florida, and it has offices in several other states, including Connecticut, New Hampshire, and South Carolina. Main Street America Insurance is known for its commitment to its customers, providing them with excellent customer service, and meeting their unique insurance needs.

Main Street America Insurance offers a wide range of insurance products, including commercial property insurance, commercial package policy, business auto insurance, commercial umbrella insurance, workers’ compensation insurance, and home insurance. The company also provides personal auto insurance and renters insurance.

One of the key factors that sets Main Street America Insurance apart from its competitors is that it is a mutual insurance company. This means that the company is owned entirely by its policyholders, and any profits made by the company are returned to the policyholders in the form of dividends. This unique structure of the company ensures that Main Street America Insurance always puts its customers first, and their interests are always aligned with the company’s financial goals.

Another unique feature of Main Street America Insurance is its commitment to sustainability. The company has implemented several initiatives to reduce its environmental impact, including paperless billing and reducing its carbon footprint. Main Street America Insurance is also committed to supporting communities and has several programs to give back to society, such as volunteering and donating to charitable organizations.

In addition to its commitment to sustainability, Main Street America Insurance is also dedicated to technology and innovation. The company has invested heavily in modernizing its systems and technology infrastructure to provide its customers with a seamless and efficient experience. Main Street America Insurance has also introduced several innovative insurance products, such as cyber liability insurance and drone insurance, to meet the evolving needs of businesses and individuals.

Main Street America Insurance has received several awards and recognition for its excellence in customer service, sustainability, and innovation. The company has been named a Ward’s Top 50 P&C Performer, a list of the top-performing property and casualty insurance companies in the United States, for 16 consecutive years. Main Street America Insurance has also received the Climate Change Leadership Award and was recognized as one of the 50 Most Admired Companies of the Year 2019 by Silicon Review.

In conclusion, Main Street America Insurance is a leading insurance company in the United States that is committed to providing its customers with excellent insurance products and services. The company’s commitment to its customers, sustainability, and innovation has set it apart from its competitors, making it a preferred choice for businesses and individuals.

History of Main Street America Insurance


Main Street America Insurance History

Main Street America Insurance was founded in 1923 in Jacksonville, Florida, by William F. Hawley, a businessman and visionary who wanted to provide quality insurance coverage to small businesses and individuals. The company started as a small operation with only a few employees, and Hawley himself would travel around the country to meet with clients and drum up business.

Over the next several decades, Main Street America Insurance continued to grow and expand, thanks in large part to Hawley’s innovative ideas and commitment to exceptional customer service. The company moved its headquarters to Keene, New Hampshire, in 1953, and began selling policies in additional states throughout the Northeast and Midwest.

In the 1970s and 1980s, Main Street America Insurance experienced substantial growth as the company expanded into more states and introduced new products and services. The company also made several key acquisitions during this time, including the purchase of Pioneer Insurance Company in 1989, which allowed Main Street America Insurance to expand its presence in the Midwest and South.

Today, Main Street America Insurance is one of the leading insurers of small businesses and individuals in the United States, with a network of agents and representatives in over 37 states. The company offers a wide range of insurance products and services, including auto, home, business, and umbrella policies, and is known for its strong commitment to customer service and community involvement.

In addition to its commercial and personal lines of insurance, Main Street America Insurance also operates several niche programs that are specifically tailored to the needs of certain industries and professions. For example, the company offers a special program called Alliance for Nonprofits that provides coverage and risk management services to nonprofit organizations throughout the country.

Throughout its history, Main Street America Insurance has remained committed to its core values of integrity, partnership, and excellence. The company’s success can be attributed in large part to its ability to adapt to changing market conditions and customer needs, while never losing sight of its mission to provide high-quality insurance coverage and support to its clients.

Main Street America Insurance Products


Main Street America Insurance Products

If you are looking for insurance coverage for your personal or business needs, Main Street America Insurance has a variety of products available to choose from. Here are three of their main insurance products that you may find helpful:

Auto Insurance

Auto Insurance

One of the most popular insurance products offered by Main Street America Insurance is their auto insurance. With coverage options that can be tailored to your specific needs, you can feel confident that you are getting the right insurance for your vehicle. Their policies typically include coverage for bodily injury liability, property damage liability, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. You can also opt for additional coverage, such as roadside assistance, rental reimbursement, or gap insurance.

Main Street America Insurance understands that each driver has different needs and offers various discounts, such as multi-car, multi-policy, safe driver, good student, and more. You can also choose to bundle your auto insurance with other insurance products, such as home or renters insurance, to save even more on your premiums. They also have a user-friendly website where you can easily manage your policy, make payments, and file claims.

Home Insurance

Home Insurance

Your home is your most significant investment, and it’s essential to have insurance coverage that protects it from damages and loss. That’s why Main Street America Insurance offers a comprehensive home insurance policy that covers various perils, including fire, hail, lightning, windstorm, theft, and vandalism. The policy can also cover additional structures, personal property, and liability protection.

Their home insurance policies also come with a variety of discounts, such as bundling discounts, new/purchased home discount, smoke-free home discount, and security device discount. You can also choose optional coverage, such as extended replacement cost, equipment breakdown, and water backup coverage. With Main Street America Insurance, you can rest assured that your home insurance coverage is tailored to your unique needs.

Business Insurance

Business Insurance

If you own a small business, it’s essential to have insurance coverage that protects your assets, employees, and customers. That’s why Main Street America Insurance offers various business insurance products, including commercial auto insurance, workers’ compensation insurance, commercial property insurance, and liability insurance.

Their commercial auto insurance policy covers any vehicles used for business purposes and can also include liability, collision, and comprehensive coverage. Their workers’ compensation insurance covers medical expenses, lost wages, and disability benefits if an employee gets injured or ill while on the job. Their commercial property insurance covers your building, equipment, and inventory against damage or loss due to various perils, such as fire, theft, and natural disasters. Their liability insurance covers your business against lawsuits filed by customers or third parties due to injury or property damage caused by your business operations.

Main Street America Insurance also offers various discounts and packages, such as a multi-policy discount, business owner policy, and umbrella policy, that can help you save on your premiums. They have a team of experienced professionals that can help you determine the best insurance coverage for your business needs.

Overall, Main Street America Insurance offers a wide range of insurance products that can help you protect your personal or business assets. They provide access to user-friendly online tools that make managing your policies and filing claims easy. They strive to provide personalized service that meets your individual needs at competitive rates. Consider their insurance products and take the necessary steps to protect your assets today.

Commercial Insurance Offerings by Main Street America Insurance


Insurance Policies

It is essential for business owners to safeguard their establishment from unexpected events and potential threats. Fortunately, Main Street America Insurance offers a wide range of specialized insurance policies tailored to meet the unique needs of commercial establishments.

Commercial Property Insurance: Commercial property insurance is designed to protect business owners against financial loss from damage caused by natural disasters, fire, criminal activities, and other unexpected events that may affect their establishment. This type of insurance policy covers the physical assets of a business, including the building structure, furniture, equipment, inventory, and other possessions that are necessary to operate the business.

Commercial General Liability Insurance: Commercial general liability insurance is essential for any business because it protects the policyholder from financial losses resulting from claims of third-party property damage, bodily injury, or personal injury caused by the business operations. This policy also covers legal fees and other expenses incurred when defending against claims of liability.

Business Owners Policy: A business owners policy (BOP) is a combined policy that typically includes commercial property, general liability, and business interruption insurance. This type of policy is particularly useful for small to mid-sized businesses that require essential insurance coverage at an affordable cost.

Commercial Auto Insurance: Commercial auto insurance is a type of insurance policy designed to provide coverage for vehicles used for business purposes, such as delivery trucks, company cars, and other vehicles used for commercial purposes. This policy covers physical damage caused by collisions, theft, and other covered events.

Workers Compensation: Workers compensation is a mandatory insurance policy for businesses that have employees. It provides financial support for medical expenses, lost wages, and other benefits to employees who are injured while working. This policy also protects employers from potential lawsuits resulting from workplace injuries.

Umbrella Insurance: Umbrella insurance is an additional policy that provides extra liability coverage beyond the limits of other insurance policies. It is typically used to cover large-scale damages and legal fees that exceed the limits of other insurance policies. Umbrella insurance is particularly useful for businesses that face high-risk situations.

Overall, Main Street America Insurance offers comprehensive and customizable insurance policies that cater to the unique needs of commercial establishments. With these policies, business owners can protect their assets and safeguard their establishments from potential threats and unexpected events.

Personal Insurance Offerings by Main Street America Insurance


Personal Insurance Offerings

Main Street America Insurance provides personal insurance coverage to protect individuals and families from unexpected events that can cause financial damages. The company offers a comprehensive range of personal insurance policies to safeguard your home, automobile, and personal assets. Here is a closer look at the personal insurance offerings by Main Street America Insurance:

1. Home Insurance


Home Insurance

Home insurance from Main Street America Insurance provides coverage for your dwelling, personal property, and liability. The policy offers protection against loss or damage caused by perils such as fires, windstorms, hail, and theft. The coverage options include replacement cost, loss of use, and personal liability. Replacement cost coverage pays for the cost of rebuilding or repairing your home, while loss of use coverage reimburses you for the cost of living elsewhere during repairs. Personal liability coverage protects you against lawsuits arising from bodily injury or property damage caused by you or a member of your household.

2. Auto Insurance


Auto Insurance

Main Street America Insurance’s auto insurance policy provides liability and physical damage coverage for personal vehicles. The policy covers bodily injury and property damage liability, as well as collision and comprehensive coverage. Collision coverage pays for damages to your vehicle caused by a collision, while comprehensive coverage pays for damages caused by theft, fire, vandalism, or weather-related events. The policy also includes optional coverage options such as roadside assistance and rental reimbursement.

3. Umbrella Insurance


Umbrella Insurance

Umbrella insurance from Main Street America Insurance provides additional liability coverage beyond the limits of your home and auto insurance policies. The policy provides coverage for bodily injury and property damage liability, as well as personal injury liability. The coverage is available in increments of $1 million, starting at $1 million, up to a maximum of $5 million.

4. Renters Insurance


Renters Insurance

Renters insurance from Main Street America Insurance provides coverage for personal property, liability, and additional living expenses. The policy covers loss or damage to your personal belongings caused by perils such as fire, theft, and vandalism. The liability coverage protects you against lawsuits arising from bodily injury or property damage caused by you or a member of your household. The policy also provides coverage for additional living expenses if you are temporarily displaced from your rental unit due to a covered loss.

5. Boat Insurance


Boat Insurance

Main Street America Insurance’s boat insurance policy provides coverage for various types of watercraft, including boats, jet skis, and yachts. The policy offers liability and physical damage coverage for your watercraft, as well as coverage for other boats and property. The coverage options include liability coverage, collision coverage, and comprehensive coverage. Liability coverage protects you against lawsuits arising from bodily injury or property damage caused by your watercraft, while collision coverage pays for damages to your watercraft caused by a collision. Comprehensive coverage pays for damages caused by theft, fire, vandalism, or weather-related events.

In conclusion, Main Street America Insurance offers a wide range of personal insurance policies to protect individuals and families from unexpected events. Whether you need coverage for your home, automobile, personal assets, or watercraft, Main Street America Insurance has got you covered. Contact a local agent today to learn more about personal insurance offerings from Main Street America Insurance.

Main Street America Insurance Claims Process


Main Street America Insurance Claims Process

When an unexpected situation occurs and you need to make a claim with Main Street America Insurance, it is important to know the claims process. Understanding the process can help ease your stress, and ensure your claim is handled efficiently and effectively.

The claims process at Main Street America Insurance involves several steps. The first step is to report the claim, either by calling their 24/7 claims reporting line, or by submitting a claim online, through their website. When reporting the claim, you will need to provide information such as your policy number, the date and time of the incident, the location of the incident, and a description of what happened.

Once Main Street America Insurance has received your claim, they will assign a claims adjuster. The adjuster will be your main point of contact throughout the claims process, and will work with you to gather additional information about the incident, such as pictures, videos, and witness statements, if applicable. The adjuster will also help you understand the coverage under your policy, and answer any questions you may have.

After gathering all the necessary information, the adjuster will review the claim and determine the amount of damages. If needed, they may also coordinate with contractors and vendors to help repair any damages. The adjuster will provide you with an estimate of the damages, including any deductibles or out of pocket expenses that may apply. They will then work with you to finalize the claim and issue payment for the damages.

It is important to keep in mind that the claims process time frame can vary greatly depending on the complexity of the claim. Some claims may be resolved quickly, within a matter of days or weeks, while others may take several months. The timeline also depends on how quickly you are able to provide information and documentation requested by the adjuster. However, Main Street America Insurance makes it a priority to handle claims in a timely and efficient manner, so you can get back to your normal life as soon as possible.

If at any time during the claims process you have questions or concerns, do not hesitate to reach out to your adjuster or Main Street America Insurance’s customer service team. They are here to help you every step of the way and provide you with the support and guidance you need to navigate the claims process.

In summary, the claims process at Main Street America Insurance is a step-by-step process that involves reporting the claim, working with an assigned adjuster to gather information and estimate the damages, and finalizing the claim with payment for damages. The time frame for the claims process can vary depending on the complexity of the claim, but Main Street America Insurance aims to handle claims in a timely and efficient manner.

Awards and Recognitions Received by Main Street America Insurance


Awards and Recognitions Received by Main Street America Insurance

Main Street America Insurance has been recognized for its commitment to excellence and outstanding customer service by various organizations over the years. Here are some of the awards and recognitions the company has received:

1. 2019 Best Employers in North Carolina


2019 Best Employers in North Carolina

The Main Street America Group was named one of the “Best Employers in North Carolina” in 2019 by the Business North Carolina magazine, as well as Best Companies Group, an independent research firm specializing in identifying and recognizing great places to work.

2. Top 50 Insurance Companies by Ward Group


Top 50 Insurance Companies by Ward Group

Main Street America Insurance was included in the list of the top 50 insurance companies by the Ward Group, an Aon Hewitt company that analyzes the financial performance of insurance companies and recognizes the top performers in the industry.

3. Forbes America’s Best Mid-Size Employers


Forbes America's Best Mid-Size Employers

Forbes named Main Street America Insurance as one of “America’s Best Mid-size Employers” in 2019. The company was ranked number 51 out of 500 companies that made the list, based on employee satisfaction surveys and ratings.

4. 2018 Super Regional Property / Casualty Insurers


2018 Super Regional Property / Casualty Insurers

Main Street America Insurance was named one of the “Super Regional Property / Casualty Insurers” in 2018 by Insurance Journal, a leading trade publication covering the insurance industry.

5. Jacksonville Healthiest Companies


Jacksonville Healthiest Companies

Main Street America Insurance was recognized as one of the healthiest companies in Jacksonville, Florida in 2018 by the First Coast Worksite Wellness Council. The award recognizes companies that have implemented wellness initiatives to improve the health and well-being of their employees.

6. Florida Trend’s Best Companies to Work For in Florida


Florida Trend's Best Companies to Work For in Florida

Main Street America Insurance was named one of the “Best Companies to Work For in Florida” in 2017 by Florida Trend, a business magazine that covers news and events in the state of Florida. The award recognizes companies that prioritize employee satisfaction and well-being.

7. National Underwriter’s Commercial Lines Agency of the Year (2019)


National Underwriter's Commercial Lines Agency of the Year (2019)

In 2019, Main Street America Insurance was named the National Underwriter’s Commercial Lines Agency of the Year. The award recognizes independent agency partners that exhibit exceptional growth, innovation, and service to their clients. This award highlights Main Street America Insurance’s dedication to its customers and consistent growth throughout the years.

These awards and recognitions are a testament to Main Street America Insurance’s commitment to excellence and their employees, making them one of the top insurance companies in the industry.

Main Street America Insurance Affiliations and Partnerships


Main Street America Insurance Affiliations and Partnerships

Main Street America Insurance is an independent insurance company and has formed affiliations and partnerships with various organizations to provide a wide range of services to its clients. The company’s aim is to provide the best service to their customers and support their communities. Some of the key affiliations and partnerships of Main Street America insurance are:

Downtown Business Associates Inc. (DBA)


Downtown Business Associates Inc. (DBA)

Main Street America Insurance has entered into an affiliation with Downtown Business Associates Inc. DBA is a group of businesses, property owners, and residents that are committed to building and promoting Downtown Phoenixville. This affiliation between Main Street America and DBA allows the company to support local businesses and contribute to the growth of the community. This affiliation includes funding for events that promote local businesses, safety programs, and user-friendly streetscaping.

National Guardian Life Insurance Company


National Guardian Life Insurance Company

Main Street America has formed a strategic partnership with National Guardian Life Insurance Company (NGL) to provide a spectrum of insurance products to its clients. NGL is a mutual insurance company that was founded in 1909 and offers a wide range of products, including pre-need funeral insurance, life insurance, and annuities. This strategic partnership brings together the prowess of Main Street America in providing quality insurance coverage with NGL’s experience and expertise in providing insurance solutions that fit the needs of its clients.

Independent Insurance Agents & Brokers of America (IIABA)


IIABA

Main Street America is a proud member of the Independent Insurance Agents & Brokers of America (IIABA), which is a national alliance of more than a quarter-million business owners and their employees who offer all types of insurance and financial services products. This partnership exposes the company to a variety of insurance trends and ideas, enabling the company to provide its clients’ new and innovative ideas for their insurance requirements. IIABA provides a national level platform to Main Street America Insurance to contribute towards the betterment of the insurance industry.

Trusted Choice®


Trusted Choice

Main Street America is also a member of Trusted Choice, which is a product of the Independent Insurance Agents & Brokers of America. Trust Choice offers multiple benefits to its customers, such as comprehensive coverage and access to a network of independent insurance agents. This coverage is designed to suit the needs of its clients, and it is provided by insurance companies that have a long-standing reputation in the insurance industry. The membership of Main Street America Insurance with Trusted Choice offers its clients access to personalized coverage and local support provided by a network of independent insurance agents.

Professional Insurance Agents (PIA)


Professional Insurance Agents (PIA)

Main Street America Insurance is also affiliated with Professional Insurance Agents (PIA), which is a national trade association that represents independent insurance agents and brokers. PIA aims to protect and promote the interests of its members by providing them with a variety of services, such as education, advocacy, and networking opportunities. PIA allows Main Street America Insurance to engage with other independent insurance agents and brokers, providing it with an opportunity to gain valuable insights into the insurance industry and learn about best practices and trends.

Association of Mature American Citizens (AMAC)


Association of Mature American Citizens (AMAC)

Main Street America is also a proud supporter of the Association of Mature American Citizens (AMAC), which is a senior citizens’ organization that focuses on the needs and concerns of seniors. AMAC provides its members access to valuable health and life insurance products and discounts on travel, hotels, and other senior-friendly services. The affiliation with AMAC allows Main Street America Insurance to provide valuable insurance products to seniors at affordable prices, enabling them to meet their healthcare needs.

Local Community Charities


Local Community Charities

Main Street America Insurance is actively involved in local community charities, supporting food banks, women’s shelters, and other non-profit organizations. The company understands that it is their responsibility to give back to society and make a positive impact in their community. Main Street America Insurance also has a charitable giving campaign through which it supports local charities that are committed to making a difference in their communities.

In conclusion, Main Street America Insurance’s affiliations and partnerships demonstrate the company’s commitment to offering its clients a wide range of insurance products and services while ensuring that the communities it serves are supported.

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