Re: Service disconnect for generator
If I understand you right, your transfer switch would have to be rated as suitable for service equipment, and it would have to be approved by the utility. You would not be able to disconnect power to the transfer switch without calling the utility. Given all the above, I'm still not sure it would comply with the NEC (no overcurrent protection for the transfer switch). Do yourself a favor and install a main breaker ahead of the switch. Or, add a breaker in the existing panel, feed the transfer switch from it, and add a second smaller panel after the transfer switch. Then move selected loads to the smaller panel.
Steve