grounds and neutrals are always gunna be bonded between the genset-emergency source, and the utility. the 2 hot legs are what need to be locked out from each other between the genset-emergency source and the utility. shutting off the main will keep the backfeeding of the utility line from happening -until someone forgets or until someone who doesn't know better shuts it back on while the genset is on. best to wire those legs thru a break before make type of switch. classic transfer switch has 3 termination points- the utility(top), the common-output(goes to loads(house)), and the back up source(bottom) the switch is bonded to the common middle portion of the switch. when the switch is closed to the top, it is in utility; switch closed to bottom, when in back up mode. you can never be connected to more than one source at once via the mechanics, and therefore, no one will be electrocuted by a mistake. at 24KV, it only takes a split second.....