Business Details
Your Trusted Insurance Partner Since 1898
Main Street Insurance Group has been a trusted independent insurance and risk advisory agency since 1898, serving clients across the Southeast. Our legacy is built on combining the personalized service of a hometown agency with the resources of a national firm, prioritizing client needs through innovative risk management solutions. With over 120 years of experience, we offer comprehensive insurance products tailored to personal, business, and employee benefit needs, including home, auto, commercial property, liability, and specialty coverage. Our team of seasoned professionals works closely with clients to identify gaps in protection, implement cost-effective strategies, and provide ongoing support from policy selection through claims resolution.As an IIABA Best Practices Agency for eight consecutive years, we maintain partnerships with top-rated carriers to deliver customized solutions that adapt to evolving client requirements. Our concierge-style client experience emphasizes transparency, ethical practices, and 24/7 accessibility, ensuring clients receive both immediate assistance and long-term strategic guidance. Through affiliations with Keystone Insurers Group and a network of regional agencies, we combine local market expertise with nationwide capabilities to protect individuals and businesses throughout North and South Carolina.
Services
Business Insurance
Home Insurance
Auto Insurance
Employee Benefits
Equine Insurance
Cyber Liability
Commercial Property
Life Insurance
Flood Insurance
Umbrella Coverage
Highlights and features
- We offer over 120 years of combined insurance expertise through legacy agencies
- Our team provides personalized concierge-style client service unique to the industry
- We represent multiple top-rated national and regional insurance carriers
- We implement customized risk management solutions for complex insurance needs
- Our advisors maintain deep local market knowledge across the Carolinas
Associations and certifications
- IIABA Best Practices Agency
What people say
Great service
Very knowledgeable
Personalized approach
Prompt assistance
Services
Business Insurance
Our business insurance solutions protect companies of all sizes against operational risks. We offer tailored policies including property, liability, cyber, and specialized industry coverage. Our advisors help identify exposure gaps and implement cost-effective strategies that align with your specific business needs while maintaining compliance with regulatory requirements.
Home Insurance
We provide comprehensive home insurance policies that safeguard your primary residence and valuable possessions. Our coverage options address risks like fire, theft, natural disasters, and liability claims while offering additional protections for secondary homes, collectibles, and unique property features through customized endorsements.
Employee Benefits
Our employee benefits programs help businesses attract and retain talent through competitive insurance packages. We design customized health, dental, vision, disability, and life insurance solutions that balance employer costs with employee needs while ensuring regulatory compliance and administrative support.
Auto Insurance
We offer auto insurance policies that protect personal and commercial vehicles against financial loss from accidents, theft, and other covered events. Our solutions include liability, collision, comprehensive, and specialty coverage options tailored to individual driving records, vehicle types, and usage patterns.
Risk Management
Our proactive risk management services identify potential threats to individuals and businesses beyond standard insurance coverage. We develop customized mitigation strategies for cyber risks, natural disasters, employment practices, and other exposures that could impact financial stability and operational continuity.
People
Stephen Brady
Partner / Sr. VP of Personal Division
With over 25 years in insurance, Stephen specializes in personal risk management and leads our Charlotte office's personal insurance division with a client-first approach.
Charles Flack III
CEO / Partner
As third-generation insurance professional, Charles oversees strategic operations and maintains our commitment to independent, client-focused service across all business lines.
T. Cooper Flack
Partner / Sr. VP of Benefits Division
Cooper brings 20+ years of expertise in designing comprehensive employee benefit programs that balance employer costs with employee satisfaction and regulatory compliance.
David Swimmer
Partner / Chairman of the Board
David leads our commercial insurance division with 35 years of experience creating innovative risk solutions for mid-sized businesses and specialty industries.
Marc Stevens
Partner / Sr. Strategy Consultant
Marc develops long-term insurance strategies for high-net-worth clients and businesses, leveraging his 30 years of industry experience to address complex risk management challenges.
Questions
What types of insurance does Main Street Insurance Group offer?
We provide personal, business, and employee benefit insurance solutions including home, auto, commercial property, liability, life, health, and specialty coverage across the Southeast.
How can I get a personalized insurance quote?
Contact our Charlotte office at 877-872-4578 or complete our online form to connect with an advisor who will assess your specific needs and provide tailored recommendations.
Do you offer insurance for specialty businesses?
Yes, we provide specialized coverage for unique industries including breweries, wineries, equine operations, medical offices, and more through our commercial insurance division.
What areas do you serve?
While headquartered in Charlotte, NC, we serve clients throughout North and South Carolina and the broader Southeastern United States from multiple office locations.
How do claims work with Main Street Insurance Group?
Our team guides you through the entire claims process, helping document losses, coordinate with carriers, and ensure timely resolution while advocating for your best interests.
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