Umbrella Insurance That Extends Your Protection

Added Liability Coverage for Maryland Businesses That Need More Than the Basics

Some risks go beyond standard policy limits — and if you face a large claim or lawsuit, your primary liability insurance may not be enough. That’s where umbrella insurance comes in. CF Alliance helps Germantown-area businesses stay protected with affordable umbrella and excess liability coverage that kicks in when your general, auto, or employer liability policies are maxed out.

What Your Policy Should Cover

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Excess Liability Protection

Adds additional coverage above your existing liability policies — so if a major accident or lawsuit exceeds your limits, you’re still protected. This is critical for high-risk industries, public-facing businesses, or companies with large assets.

Legal Costs and Settlements

Covers attorney fees, court costs, and settlements that go beyond what your base policy will pay. This ensures your business isn’t financially devastated by a single event.

Multi-Policy Support

Umbrella insurance can extend coverage across multiple policies — including general liability, commercial auto, and employer liability — making it a smart, flexible way to boost your protection.

Add‑Ons That Matter

Employer Liability Endorsement

Extends protection to employment-related claims that go beyond workers’ comp, like lawsuits from former employees.

Professional Services Protection

Combine umbrella with E&O or D&O policies to ensure leadership and advice-based businesses are fully protected.

Worldwide Coverage Option

Expands the geographical range of your liability protection — useful for companies with international operations or clients.

Why It Matters

Because One Lawsuit Shouldn’t End It All

Even the most cautious business can face big claims — and one severe incident could exceed your regular insurance limits. With umbrella coverage from CF Alliance, you add peace of mind and real-world protection without overcomplicating your insurance program.

What Business Owners Need to Know

  • Is umbrella insurance required in Maryland?

    No, but it’s often recommended for businesses with high risk exposure, large customer bases, or significant assets to protect.

  • What’s the difference between umbrella and excess liability insurance?

    They’re often used interchangeably, but technically, umbrella policies can cover multiple underlying policies, while excess liability typically increases the limits of just one.

  • Do I need to have high base policy limits first?

    Yes — umbrella coverage only applies after your existing liability coverage is exhausted. It doesn’t replace base coverage; it builds on top of it.

  • Can personal umbrella and business umbrella be combined?

    They’re separate policies. If you need both, CF Alliance can help you build a coordinated plan with the right limits on each side.

  • Who typically needs umbrella insurance?

    Businesses in construction, hospitality, transportation, retail, healthcare, and any client-facing industry — or any company that simply wants better financial protection.

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Let’s Add the Protection Your Business Deserves

Big claims shouldn’t break your business. Get smart