We're an independent agency — not tied to any one carrier — so our advisors recommend what actually fits your life, your family, and your business.
The big benefits brokers chase 200-employee accounts. The do-it-yourself portals leave family-owned shops to guess at SHOP eligibility, ICHRA design, and what happens when a part-time employee turns 26. Main Street sits in the middle — a licensed independent agency that takes 1-to-10-employee businesses seriously.
We started after watching too many friends — a print shop in Cincinnati, a hardware store in El Paso, a family-run hotel in Macon — pay carrier "off-the-rack" pricing because no one explained that a group plan with one non-family employee unlocks the SHOP tax credit. That changes the math by thousands of dollars a year.
So we designed an agency around small-business benefits the way a tailor designs a suit: by hand, for the person standing in front of the mirror.
Main Street is independent. We represent the small businesses we serve, not the insurance companies. Same commission whichever plan you choose — so the recommendation reflects what fits your business.
We assume you're closing books at midnight and don't want a 90-page benefits binder. Plans are written up in one page of plain English, with the trade-offs spelled out next to the numbers.
Most agents go quiet after enrollment. We don't. Annual rate review, mid-year claim help, new-hire onboarding — that's the relationship, not just the sale.
"Health insurance that pencils out for the family-run shop, the four-person studio, and every main-street business in between."
Appointed with every major medical, dental, vision, and supplemental carrier serving small employers.
As an independent agency, we represent you — not any single carrier. That means unbiased advice, transparent recommendations, and plans chosen to serve your best interest.
We're not owned by any insurance company. We shop across 50+ carriers to find your best match — no hidden agendas, no preferred plans.
Carriers pay us when you enroll, so our advice and plan comparisons cost you absolutely nothing. You pay the same — or less — than buying direct.
Your personal Benefits Hub advisor stays with you year over year — reviewing your plan, handling claims issues, and being there when life changes.
Most clients are enrolled within 48 hours. Our streamlined digital process means no stacks of paperwork and no waiting weeks for coverage to begin.
“We were quoted a group plan that would have cost us our entire payroll tax savings. Main Street redesigned the whole thing around the fact that three of our employees are family — and we kept everyone covered.”
The Hendrick Family · 3-generation family restaurant · Cincinnati, OH (5 employees)
“Mi agente me explicó todo en español. We compared SHOP with individual plans for my employees, and we ended up with a group plan plus an HRA that worked better for everyone.”
María R. · Family-owned hardware store · El Paso, TX (4 employees)
“Eight of us, three on different schedules. The hybrid group-plus-individual strategy they built kept the full-time crew on a real plan and reimbursed the part-time staff fairly. Renewal was painless.”
The Patel-Singh Family · Family-owned hotel · Macon, GA (8 employees)
Why Benefits Hub
