Business Liability Insurance That Has Your Back

Protecting Maryland Business Owners from the Unexpected

One accident, one claim, or one lawsuit could put everything you’ve built at risk. That’s why CF Alliance offers business liability insurance that protects your operations, reputation, and bottom line. From slips and falls to advertising disputes or product issues, we help you stay protected from legal and financial fallout — so you can focus on running your business.

What Your Policy Should Cover

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General Liability

Covers bodily injury, property damage, and personal injury claims that happen during your business operations. This includes customer injuries on your premises, damaged client property, and legal defense fees.

Product Liability

If your product causes harm or damage, this coverage protects you against lawsuits and settlements — crucial for manufacturers, retailers, and food-related businesses.

Completed Operations

After a job is done, your liability doesn’t end. This protects you from claims related to services or work performed — such as faulty installation or repair

Advertising & Personal Injury

Covers reputational risks such as libel, slander, copyright infringement, and false advertising. Important if your business is active in marketing or online.

Add‑Ons That Matter

Customize your coverage with:

Professional Liability (E&O Insurance)

Protects service-based businesses from claims of negligence, errors, or failure to deliver services as promised — ideal for consultants, contractors, and agencies.

Liquor Liability

Required if your business sells or serves alcohol — protects against alcohol-related incidents on your premises or events.

Employment Practices Liability

Covers claims of discrimination, wrongful termination, and workplace harassment — protection for your business and team.

Why It Matters

Because One Claim Shouldn’t Cost You Everything

Even if you did nothing wrong, defending a claim takes time, money, and attention away from your business. At CF Alliance, we make liability insurance simple — so you’re protected from what you can’t predict. Whether you're a startup, storefront, or service provider, we help you stay covered without overpaying.

Understanding Business Liability Insurance

  • Is liability insurance required for my business in Maryland?

    While not always required by law, many landlords, clients, or licensing bodies may require proof of general liability insurance.

  • What’s the difference between general liability and professional liability?

    General liability covers physical claims like injury or property damage. Professional liability (E&O) covers service mistakes, missed deadlines, or advice that leads to financial loss.

  • How much liability coverage do I need?

    That depends on your industry, location, and risk. We’ll assess your needs and recommend coverage that fits your business size and exposure.

  • Is legal defense included in liability insurance?

    Yes — most policies cover legal fees, court costs, and settlements, even if the claim is groundless.

  • Can I bundle liability with property coverage?

    Absolutely — we often recommend a Business Owners Policy (BOP) that includes both at a competitive rate.

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Let’s Build a Safety Net That Works for Your Business

One quick conversation could save your business from future stress. Let’s talk liability coverage that protects your people, property, and reputation.