General Liability Insurance That Protects Your Business Basics

Essential Coverage for Injuries, Accidents, and Claims in Germantown, MD and the DMV

Every business, no matter the size or industry, faces risk — from customer injuries to property damage and lawsuits. CF Alliance offers General Liability Insurance designed to cover the foundational exposures all businesses encounter. Based in Germantown and serving the entire DMV, we help you stay protected and compliant with customizable plans that defend your business without breaking your budget.

What Your Policy Should Cover

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Bodily Injury to Third Parties

If someone is injured at your business location or due to your operations, this coverage pays for their medical bills, legal costs, and any settlements. It helps prevent one accident from turning into a financial disaster.

Property Damage

Covers damage you or your team accidentally cause to someone else’s property — whether you're working onsite or a client visits your business. This is especially important for service providers and contractors.

Legal Defense and Settlements

Pays for legal representation, court fees, and judgments related to covered claims. Even if you’re not at fault, this protection helps shield your business from expensive lawsuits.

Advertising and Personal Injury

Covers claims of libel, slander, copyright infringement, and false advertising — ideal for businesses with a strong marketing or online presence.

Medical Payments

 Covers small, no-fault medical expenses for injuries that occur on your premises. This can help resolve incidents quickly and avoid lawsuits.

Add‑Ons That Matter

Products and Completed Operations Coverage

Protects against claims tied to faulty work or products after a job is done — crucial for contractors and manufacturers.

Contractual Liability Coverage

Extends your protection when entering into contracts where you're required to assume liability.

Cyber Liability Add-On

A smart addition if your business handles sensitive data, even if you don't need full cyber insurance.

Why It Matters

Because One Incident Shouldn’t Sink Your Business

Slips, accidents, and claims can happen anytime — and even small ones can result in big legal and financial consequences. With CF Alliance, your general liability insurance is clear, reliable, and built to support your everyday operations.

What Business Owners Need to Know

  • Is general liability insurance required in Maryland?

    It’s not legally required for all businesses, but it’s strongly recommended — especially if you operate in public spaces, sign contracts, or work on other people’s property.

  • What types of businesses need general liability coverage?

    Nearly all of them — from retail shops and contractors to consultants and nonprofits. It’s considered foundational insurance for commercial operations.

  • Does general liability cover employee injuries?

    No — that’s what workers’ compensation is for. General liability protects against claims from third parties, not your staff.

  • Can I bundle general liability with other insurance?

    Yes — most small businesses combine general liability with property insurance through a Business Owners Policy (BOP) for better value and coverage.

  • Does it cover professional errors or advice?

    No — you’d need professional liability (E&O) insurance for that. General liability focuses on physical risks, not intellectual or service-based ones.

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Let’s Cover the Basics — and Then Some

From slip-and-fall incidents to client claims, CF Alliance helps you stay ahead of business risks — with protection you can count on.