Business Owners Insurance (BOP)

Business Owners Insurance (BOP) In Belmont, Charlotte, Gastonia, Kings Mountain, Lincolnton, NC, Rock Hill, Lake Wylie, SC, and the Surrounding Areas

Insurance Coverage for businesses of all sizes.

Owning a business is exciting, but it also comes with risks that can not always be predicted. From unexpected accidents to natural disasters, from customer claims to property loss, we ensure that you are prepared for whatever your business throws your way with business owners insurance for Belmont, Charlotte, Gastonia, Kings Mountain, Lincolnton, NC, Rock Hill, Lake Wylie, SC, and beyond.

Our Business Owners Insurance (BOP) is designed to give you confidence and security, helping protect your business, your assets, and your future. Our decades of experience, combined with a family-owned, personal approach, mean we take the time to understand your business and design business owners insurance solutions that actually fit.

Ready for a personalized approach to protecting what matters most?

What is Business Owners Insurance (BOP)?

A Business Owners Policy (BOP) combines two critical types of insurance into a single, streamlined policy: property insurance and liability insurance. This one-two punch protects your business from financial loss due to property damage, lawsuits, or liability claims. Whether you operate a small storefront, run a growing tech startup, or manage an established company, a BOP helps you focus on growth instead of worrying about what might go wrong.

Property Coverage

Property insurance protects your physical business assets. This includes your building, equipment, furniture, inventory, and even vehicles used for your business. Property coverage is essential to your BOP insurance policy, because it helps your business recover financially if disaster strikes. Common property coverage options include:

Liability Coverage

Liability insurance covers your business if someone is injured on your property or if your business operations accidentally cause damage to a third party. This coverage is essential for protecting your personal and business assets from costly legal claims. Typical scenarios where liability insurance comes into play include:

Why Choose Watson Insurance Agency for Business Owners Insurance?

At Watson Insurance Agency, we have been helping business owners protect their livelihoods for generations. Since 1934, our family-owned agency has combined local expertise with the resources of a large independent agency, giving you access to over 30 top-rated insurance carriers.

We help you review your current business insurance policies and identify gaps
Our agents will help you understand your business risks and exposures in clear terms
We leverage our connections to help you find a BOP policy that covers your needs at the right price.
Our team will provide guidance and support if you need to file a claim

Why Choose Us?

We combine over nine decades of experience, three generations of trusted relationships, and a client-first approach to offer you a distinct advantage: personalized coverage that truly fits your needs!

Serving the region since 1934 with three generations of expertise and commitment.
Insurance solutions designed around your life or business, not a one-size-fits-all approach.
Representing 20+ top-rated carriers to deliver the coverage that fits your needs best.
By your side through claims, updates, and every step of your insurance journey.

Request a Quick Quote

From our business to yours, we are committed to protecting what you have built. Contact us today to get a customized Business Owners Insurance quote and secure your company’s future!