Commercial Auto Insurance That Keeps Your Business Moving
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
Liability Coverage
Covers property damage and bodily injury if your driver causes an accident. This is the foundation of all commercial auto policies — and required by law.
Physical Damage (Collision & Comprehensive)
Protects your vehicles from collision damage, theft, vandalism, fire, and weather-related losses — even when they’re parked overnight at job sites.
Uninsured / Underinsured Motorist
Covers you if your business vehicle is hit by a driver without enough insurance. This protects your business from costly repairs or medical bills you’d otherwise pay out of pocket.
Medical Payments
Pays for injuries to your driver or passengers after an accident, no matter who’s at fault — especially helpful for businesses that transport people.
Hired & Non-Owned Auto Liability
Provides liability protection when employees use personal or rented vehicles for business purposes — critical for companies that don’t own all the vehicles being used.
Add‑Ons That Matter
Expand your protection with these smart enhancements:
Rental Reimbursement for Business Vehicles
Covers the cost of a temporary vehicle so your operations don’t stop after an accident.
Trailer Interchange Coverage
Protects trailers in your possession that you don’t own — ideal for logistics and transport companies.
Roadside Assistance for Fleets
Offers towing, jump starts, fuel delivery, and lockout services for your business vehicles — 24/7.
Why It Matters
Because Your Business Shouldn’t Brake for Bad Coverage
Every mile your team drives creates risk. One accident could result in lawsuits, downtime, or loss of vital equipment. With CF Alliance, you get commercial auto insurance that’s clear, compliant, and customized to your fleet — from a team that answers the phone when it matters.
What Business Owners Need to Know
Do I need commercial auto insurance if I use my personal car for business?
Yes — personal auto insurance usually doesn’t cover business use. You need commercial coverage or at least a business-use rider.
Is commercial auto required in Maryland?
Yes, any vehicle used for business purposes must be insured under a commercial auto policy to meet legal and contractual obligations.
How is commercial auto different from personal auto insurance?
Commercial policies offer higher limits and broader protections designed for the increased risk of business driving — including employee use and cargo protection.
Can I insure multiple vehicles under one policy?
Yes — we offer fleet insurance options for two vehicles or more, saving you time and potentially reducing your premium.
What types of businesses need commercial auto insurance?
Contractors, delivery services, cleaning companies, real estate firms, and any business that operates or owns vehicles for work purposes.
Let’s Protect Every Mile
From Germantown to the rest of the DMV, we’ve got your business vehicles covered — so you can drive forward without worry.