Workers’ Compensation Insurance That Covers Your Team
Protect Employees, Support Recovery, and Stay Compliant in Germantown, MD and Beyond
Your employees are your greatest asset — and when accidents happen, the right coverage makes all the difference. CF Alliance helps Maryland businesses stay compliant and compassionate with workers’ compensation insurance that protects your team and your business. Whether you run a small operation or a growing company, we tailor policies that cover medical costs, lost wages, and legal liability tied to work-related injuries or illnesses.
What Your Policy Should Cover
Medical Expense Coverage
Pays for treatment, hospital visits, surgery, medications, and rehabilitation when an employee is injured or becomes ill due to their job. This ensures your team gets the care they need without financial strain.
Lost Wages / Disability Benefits
Covers a portion of your employee’s lost income while they recover and can’t work — whether the disability is temporary or permanent. Helps them stay financially stable while healing.
Employer Liability Protection
Protects your business if an injured employee sues for damages not covered under standard workers’ comp. This coverage is essential for legal peace of mind.
Occupational Illness or Disease Coverage
Covers work-related illnesses that develop over time — such as repetitive stress injuries or exposure-based conditions. Critical for industries with long-term health risks.
Death and Survivor Benefits
Provides financial compensation to dependents if an employee loses their life due to a work-related incident. Helps families stay supported during difficult times.
Add‑Ons That Matter
Return-to-Work Programs
Helps injured employees transition back to the workplace with modified duties — reducing downtime and improving morale.
Employer Practices Liability Insurance (EPLI)
Often bundled with workers’ comp to protect against employee lawsuits related to discrimination, wrongful termination, or harassment.
Occupational Accident Policies for 1099s
A solution for businesses using independent contractors, where traditional workers' comp may not apply.
Why It Matters
Because Caring for Your People Is Good Business
Accidents are unpredictable — but your response shouldn’t be. CF Alliance helps you prepare with workers’ compensation insurance that keeps your business compliant, your team protected, and your risk under control. We walk you through state requirements and customize coverage to fit your company’s needs and industry risks.
What Business Owners Need to Know
Is workers’ comp required in Maryland?
Yes — Maryland requires most employers with one or more employees to carry workers’ compensation insurance, even if they’re part-time.
Does it cover contractors or 1099 workers?
Typically no — but there are other solutions for protecting non-employees. Ask us about occupational accident coverage or other alternatives.
What happens if I don’t have workers’ comp?
Failure to carry coverage can result in hefty fines, lawsuits, and being held personally liable for medical costs and lost wages.
Does workers’ comp cover remote employees?
Yes — if an employee is injured while performing work duties from home, they may still be covered. We can help assess your remote work risks.
Can workers’ comp be bundled with other business insurance?
Yes — CF Alliance can help you build a complete business insurance plan that includes workers’ comp, liability, and more.
Let’s Keep Your People and Business Protected
From paperwork to policy setup, we make it easy to get workers’ comp that meets the law — and supports the team behind your success.