Commercial Property Insurance That Safeguards What You’ve Built
Reliable Protection for Your Business Assets in Germantown, MD and the DMV
Your business is more than just a building — it's your livelihood. At CF Alliance, we help protect your physical property, equipment, and inventory with commercial property insurance that covers the unexpected. Whether you own a storefront, warehouse, office, or leased space, we’ll make sure you’re covered for the risks that could stop your operations in their tracks.
What Your Policy Should Cover
Building Coverage
Protects the physical structure of your business — including walls, roof, windows, and built-in fixtures — against damage from fire, storms, vandalism, and other covered perils.
Equipment & Machinery
Covers essential tools, production equipment, and systems necessary to run your business. Whether it’s a commercial fridge or a piece of industrial machinery, we help you bounce back quickly.
Inventory Protection
Protects your stock, products, and materials from theft, fire, or water damage. This is especially critical for retail businesses and wholesalers managing high-value inventory.
Tenant Improvements
If you've invested in upgrades to a rented space — like built-in shelving, lighting, or flooring — this coverage helps protect those improvements if they’re damaged.
Loss of Income / Business Interruption
If your property is damaged and operations pause, this coverage helps cover lost revenue and ongoing expenses so you can recover without financial collapse.
Add‑Ons That Matter
Depending on your industry and location, you may benefit from:
Equipment Breakdown Insurance
Covers repair or replacement of critical systems like HVAC, refrigeration, or computer networks after mechanical failure or power surges.
Debris Removal & Cleanup
Helps with the cost of clearing your site after a covered event — an often overlooked but expensive step after fire or storm damage.
Flood or Earthquake Coverage
Standard property policies typically exclude floods and earthquakes — we’ll help you assess the risk and add what’s needed.
Why It Matters
Because Your Business Shouldn't Fall Apart After a Storm
Property damage can cost more than repairs — it can shut you down. At CF Alliance, we make sure your commercial property insurance actually protects the foundation of your business. With honest advice and tailored solutions, we help you stay resilient, compliant, and ready for anything.
What You Need to Know About Property Insurance in Maryland
Is commercial property insurance required by law?
It’s not required by the state, but it’s often required by landlords or lenders — and strongly recommended to protect your business investment.
Does it cover leased property or improvements?
Yes — tenant improvements, fixtures, and build-outs you’ve paid for can be covered with the right policy structure.
What if I run a home-based business?
Standard homeowners insurance often excludes business equipment or inventory. A commercial property policy can fill in the gaps.
Can I combine this with general liability insurance?
Absolutely. Many businesses opt for a Business Owners Policy (BOP), which bundles property and liability coverage at a lower cost.
Do I need separate coverage for floods or earthquakes?
Yes — most commercial property policies exclude these. We’ll walk you through what’s needed based on your location and risk.
Let’s Protect What Keeps Your Business Running
You’ve worked hard to build your business — now let’s make sure it’s covered properly. We’re here to help every step of the way.