Here's some recent "opinions and comments" from the code people. National Electric Code is not law - but good reading anyway.
Intalling a double-breaker in a small panel as a main is very common and allowed - even with the latest NEC "recommendations."
The write-up:
Backfed Breakers The National Fire Protection Association (NFPA) has issued an informal opinion that backfed circuit breakers used to connect to a load center must be clamped. “Clamped” means that the individual circuit breaker must be attached to the load center back plane with a screw or other device specifically made for the purpose of preventing the breaker from being inadvertently pulled loose from the bus bars of the load center. The screw or other device is supplied by the manufacturer of the load center. Many load centers have no provisions for clamping, and therefore are not suitable for backfeeding. NEC 690.64(B)(5) requires that such breakers be “identified” for backfeeding. According to Underwriters Laboratories (UL), an identified breaker is one that does not have terminals marked “line” and “load.” The clamping requirement comes from NEC 408.16(F) in Chapter 4 of the code, one of the general chapters. A proposal to modify Article 690 will be submitted for changes to the 2005 NEC. But until then, the Chapter 4 requirement is the governing requirement, since nothing in Article 690 overrides it or even conflicts with it. Most inspectors will accept the following reasons for not clamping a breaker being backfed from a utilityinteractive inverter: • The plug-in breaker will immediately become deenergized (dead) when the breaker is accidentally unplugged from the load center because of the antiislanding circuits built into the listed inverter under UL Standard 1741. • The front panel on most load centers actually clamps all circuit breakers to the bus bars, and this panel cannot be removed without a tool. • Access to the inside of any load center connected to a utility feeder allows an unqualified person to easily come into contact with any exposed bus bar and the main feeder wires. Here are several solutions if the inspector requires that the backfed breaker be clamped: • Determine whether the existing load center has a kit that can be used to clamp breakers into position, and use that kit. • Install a second service panel disconnect that bypasses the existing load center, as described in HP89. This service panel can be purchased from a number of vendors, and has only a single breaker that is bolted in place.
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