Re: main breaker or M.L.O.
While there is no code requirement for a main breaker in your installation, one design practice where the panels are located some distance from the service distribution and you want to give the customer a main disconnect he/she can use without having to go to the main equipment is a non-automatic main breaker. In this way the panel has a main switch while not having a breaker at the main board feeding a breaker of the same size at the panel. The non-auto breaker is just a switch and offers no overload, short circuit or ground-fault protection.