Business Owners Policy (BOP) Insurance That Simplifies Protection

Protect Your Business Vehicles and Drivers Across Germantown, MD and the DMV

Whether you're making deliveries, hauling tools, or transporting clients, your business vehicles are essential to your day-to-day operations. CF Alliance helps you protect them with commercial auto insurance built for real business needs — from solo owner-operators to growing fleets. We tailor your policy to match your vehicle types, driver habits, and business exposure, so you're covered at every turn.

What Your Policy Should Cover

A man in a plaid shirt and jeans is climbing into a white truck.

Property Protection

Covers your business building (if you own it), equipment, inventory, furnishings, and other physical assets from incidents like fire, theft, vandalism, or storm damage. This ensures you can repair or replace vital items without crippling your cash flow.

General Liability Coverage

Protects your business if someone is injured on your premises or you accidentally damage a client’s property. Also handles legal defense and settlement costs when claims are made against you.

Business Interruption / Loss of Income

Helps cover lost revenue, utility bills, rent, payroll, and other fixed costs if your business must close temporarily due to a covered event. Ensures you can pivot and stay stable while rebuilding.

Add‑Ons That Matter

Enhance your BOP to match your specific risks and operations:

Equipment Breakdown Coverage

Covers mechanical or electrical failure of critical systems like HVAC, refrigeration, or kitchen / production machinery you depend on.

Scheduled Personal Property Riders

Adds protection for expensive or specialty items (like custom furniture, signage, electronics) that might not be fully covered under standard limits.

Flood or Earthquake Endorsement

Many standard property policies exclude these perils — adding this protects you if these events impact your business property.

Why It Matters

Because One Policy Shouldn’t Leave You Half‑Exposed

A BOP keeps your business from having to juggle separate property and liability policies — saving money, time, and administrative headache. With CF Alliance, you get a BOP built around your business’s size, location, and daily operations — so you can stay protected, compliant, and confident in whatever the week brings.

What Business Owners Need to Know

  • Is a BOP required by law in Maryland?

    No — not always. But many landlords, lenders, contracts, or permits do require proof of property + liability coverage, which a BOP provides.

  • Does a BOP cover both owned property and rented space?

    Yes — if you own your premises, your building is covered. If you lease, a BOP can protect your business property inside the leased space and improvements you’ve made.

  • Can I get a BOP if I have employees?

    Yes — BOPs generally cover liability for customers on your premises and third‑party property damage, but you may need separate Workers’ Compensation or other policies depending on your workforce.

  • Can I customize the coverage limits?

    Absolutely — CF Alliance works with you to set coverage amounts that match your business’s value, risk, and budget.

  • Is Business Interruption included?

    It’s often optional. We’ll help assess whether your business would benefit from loss of income or extra expense coverage in your BOP.

Black telephone receiver with sound waves.

Let’s Protect Your Business the Right Way

Your business invests time, energy, and heart into what matters — let’s make sure your insurance works just as hard.