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Business Insurance

Safeguard Your Business, Preserve Your Peace of Mind

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Why Choose Ball Group’s Business Insurance

Personalized Guidance

We begin with a heartfelt conversation understanding your business’s story, concerns, and long term vision.
Comprehensive Protection

Whether you own a storefront, oversee a fleet, or offer professional services, our tailored coverage including liability, property, cyber, key person, and more secures every dimension of your risk.
Transparent Support

Insurance shouldn’t be a maze. We break down each policy, explain what it covers (and what it doesn’t), and help you understand how it fits within your budget and goals.

Our Business Insurance Solutions

Business Owner’s Policy (BOP)

A comprehensive package combining property, liability, and business-income protection into one streamlined policy. Perfect for small to mid-sized businesses looking to bundle and save.

Worker's Compensation Insurance

Cover your team’s medical expenses and wage replacement in the event of work-related injuries or illnesses. Keeping your workforce and your reputation safe.

Cyber Liability Insurance

Protect your network, customer data, and brand reputation from the rising tide of cyber threats. Because one breach can cost more than downtime it can cost trust.

General Liability Insurance

Guard against third-party claims of bodily injury or property damage. Ideal for those “just in case” moments when accidents happen beyond your control.

Commercial Auto Insurance

Insure the cars, trucks, and vans that keep your business moving. From delivery fleets to sales vehicles, we’ll tailor coverage to your usage and risk profile.

Commercial Umbrella Insurance

Expand the limits of your core policies to protect against large, unexpected claims. A safety net for those “what-if” scenarios that go beyond standard coverage.

Employment Practices Liability Insurance (EPLI)

Shield your company from costly employment claims harassment, discrimination, wrongful termination and protect both your people and your bottom line.

Professional Liability (E&O) Insurance

Mistakes happen but being sued for an error doesn’t have to derail your business. Our Errors & Omissions policies cover legal fees and settlements so you can keep delivering excellence.

Directors & Officers Liability Insurance

Directors & Officers (D&O) Liability Insurance

Safeguard your leadership team against claims by shareholders, regulators, or customers. Essential for businesses with a board or multiple stakeholders.

Commercial Property Insurance

Protect your workspace, equipment, and inventory from fire, theft, and other perils. Customized to your building type and contents.

Crime Insurance

Cover losses from employee fraud, theft, forgery, and social engineering. Because the biggest threats can sometimes come from inside.

Builder's Risk Insurance

Secure your construction project, materials, and equipment on-site or in transit against damage, theft, and vandalism. Policies tailored to each project’s timeline and scope.

Liquor Liability Insurance

Operating a bar, restaurant, or event with alcohol? Protect against claims arising from property damage or bodily injury linked to your service.

Surety Bonds

Provide financial guarantees for contracts, licenses, and court obligations. Build client trust by backing your commitments with a bond.

Inland Marine Insurance

Cover goods in transit over land equipment, tools, and specialized property against damage or loss between job sites.

Enviromental Insurance

Address pollution liabilities not covered by standard policies, from cleanup costs to third-party claims. Stay compliant and protected.

Equipment Breakdown Insurance

Safeguard boilers, HVAC systems, and production machinery from mechanical or electrical failure and the business interruption that follows.

Key Person Life Insurance

Protect your company when a founder or key executive passes away. Use proceeds to cover recruiting costs, debt repayment, or ownership transitions.

Fiduciary Liability Insurance

Defend against claims related to employee benefit plans pensions, 401(k)s, health plans ensuring your plan sponsors stay protected.

Special Event Insurance

Cover weddings, festivals, conferences, and other one-off events against cancellation, liability, and property damage. Relax and let us handle the risks.

Captive Insurance

Take control of your risk financing through a captive structure, reducing costs and customizing coverage to your business needs.

Commercial Flood Insurance

Supplement your policy with flood protection, especially critical if you’re in or near a high-risk zone. Flood damage isn’t covered under standard business policies.