Call Us Now

Business Owners Policy (BOP) in Clinton Charter Township and Sterling Heights, MI

Protecting Michigan Businesses in a Smooth, Affordable Manner

There are risks involved for business owners both when managing daily operations and planning for long-term profitability. However, with limited time and resources available, it’s often challenging to confirm they are fully protected from financial loss.

A Business Owners Policy (BOP) is a comprehensive and cost-efficient insurance product designed to keep small to medium-sized businesses protected. A BOP provides a foundation of protection specific to the class of business and bridges gaps in packaged business insurance policies.  

What Does a Business Owners Policy (BOP) Cover?

From apartments and condominiums to barber shops and restaurants, the businesses that are eligible for BOPs are as diverse as the coverages available. We understand there will be questions, and our agents are accessible to educate clients on the various BOP options offered. After a detailed review of all alternatives, we tailor an insurance solution fit for your business.

As an agency, we partner with a collection of nationally renowned carriers, such as Nationwide, Main Street America, Grange, and more. For clients, this translates into direct contact with a local agent, alongside reliable insurance companies.

The range of coverage which can be obtained through a BOP includes, but is not limited to:

  • Employment Practices Liability Insurance
  • Products and Completed Operations
  • Premises Liability
  • Premises Medical
  • Fungi or Bacteria Coverage
  • Fire Legal Liability
  • Business Income Insurance
  • Building and Personal Property Protection
  • Newly Acquired or Constructed Property Insurance
  • On-Site Equipment Insurance
  • Coverage for Inventory Loss
  • Cyber Liability
  • Data Compromise
  • Drone Coverage
  • Crime Insurance

Agents Ensuring All Business Exposures are Covered

Our staff is experienced and well versed in all aspects of commercial insurance. We talk with our clients to determine the nature of their business and help them identify their coverage needs. Then, we work with numerous commercial carriers to provide various limits of coverage to meet their needs.

The personalized approach we use with each business client goes beyond the initial policy purchasing process. Our agents are knowledgeable about market changes, and can make relevant recommendations to a policy based on the needs of our clients.

Locally owned and operated with three full-time agents, Waters Edge Insurance Agency is also licensed in Florida, Tennessee and Missouri in addition to the state of Michigan. Our office is open early for contractors, from 7:30 a.m. to 4:30 p.m. Monday through Friday, and you can also reach an agent outside of regular business hours via email, phone, or text message.

For additional information on the Business Owners Policy (BOP), please contact us or request a quote.

Additional Resources

Our Locations

Reagan Insurance Agency

14426 15 Mile Rd
Sterling Heights, MI 48312
Main office: 586-690-8572

McGovern Agency

37102 S Groesbeck Hwy
Clinton (Township), MI 48036
Main office: 586-464-2400

Our Providers


Thank you for always being there for us and our little items that keep coming up. Thanks again for your follow-ups.
Paul and Margaret
Dear Stan, Thank you so much for all your time and attention to this matter. We truly appreciate it. You’re a doll.
Barry and Lynette Hay
Best insurance experience I have ever had! They were honest and gave me the best quote. Very happy with WatersEdge! Thanks Stan!
Samantha Moore
Waters Edge Insurance Agency is by far the best insurance agency I have ever been with. They are honest, hard working, easy to contact and truly care about their customers. If you are in the market for insurance look no further, you won't be disappointed I promise. Stan and his associates are second to none.
Franci Atcho
Thank you for your awesome service. I am so glad that I decided to switch agencies over to Waters Edge. You have taken the time to answer any question I may have had, and have been a huge part in the success of our business.
AGC Concrete