It sounds like he is refering to the add-on transfer panels that some manufacturers produce such as these models shown on the Gen-Tran website.
Gentran Corporation: Generator Transfer switches for home & business
This type has an individual A/B switch/breaker for each circuit that is to receive backup power. If you are not color blind and can follow the instructions, I do not think it is really possible to miss wire it and still have it function in normal/commercial mode. But having an electrician review your install is certainly good advise.
I will use one circuit as an example. You now have a power panel with a circuit breaker and a wire leaving that circuit to feed a load in your house. To add the transfer panel, you first shutdown the main panel breaker and the individual breakers in question. The wire feeding the load from the breaker is disconnected and spliced to a wire comming from the new transfer panel. A new wire to the transfer panel is connected to the existing panel breaker. You are basically placing the new transfer panel(A/B switch) between your existing circuit breaker and the house circuit it normally powers. You repeat this process for each circuit you wish to configure for backup power. Neutral and ground wires from the transfer panel are connected to the main panels ground and neutral busses.
Many of these transfer panels have a large electrical receptical for plugging in a feed cable from the generator and the generator portion of the individual circuit A/B switches is already wired. In fact, you never open up the new transfer panel, just wire it's harness into the main panel as I described above. This is what makes it VERY difficult to misswire and still function in normal power mode. If I recall, the gen-tran website has the complete installation instructions available on line for their prioducts.
Another option is the installation of an interlocked plate which allows you to safely backfeed your existing main panel. I used to have a link to a company that sells 50 state UL approved interlock plate kits. It is posted somewhere on this forum, I am sure you will find it if you search back thru the generation and backup power threads as it was not all that long ago. What this does is mechanically connects the main circuit breaker in the panel to another breaker so that it is not physically possible to have them both on at the same time. To this other breaker you connect your generator. To shift to generator, you shut off loads that you do not wish to power, or do not have the generator capacity to power, then you shut off your main breaker. You slide/rotate the interlock plate which holds the main breaker in the off position and allows you to energize the backfeed breaker. With the backfeed breaker in the on position, it holds the plate so the main cannot be turned on. This is probably the least expensive backup power option and is the easiest to install as you have to do very little panel wiring and no additional wire beyond that needed to wire the generator to the backfeed breaker. Since you mentioned powering circuits in two main panels, this may not be an option for you.
Edit: Larry D posted the link I was thiking of last month in this thread on backup power wiring.
http://www.tractorbynet.com/forums/projects/112976-generator-setup-house.html
But as mentioned, if you are not familliar or comfortable with this type work, best to have an electrician do it.
Good Luck