Commercial Insurance
That Protects Your Work
Smart, Personalized Coverage From Your Local Experts in Germantown, MD
What Commercial Insurance Can Cover
From property protection to liability exposure, we tailor commercial policies around the real risks businesses face in Central Minnesota.
Protects tools, equipment, supplies, inventory, and your business location (whether owned or leased).
Covers claims of property damage, bodily injury, or legal expenses if someone gets hurt on-site or by your services.
Insurance for company vehicles or any personal vehicles used for business purposes.
Business Interruption Coverage
Helps replace lost income if your business can’t operate due to a covered event.
Equipment Breakdown Protection
Covers the cost to repair or replace essential machines or systems that unexpectedly fail.
Optional Coverages
Coverage for service-based businesses in case of errors, omissions, or unsatisfactory work.
Cyber Liability Insurance
Protects against data breaches, cyberattacks, and digital liabilities.
Adds an extra layer of liability protection above your general or auto coverage.
Commercial Insurance FAQs
What types of businesses do you insure?
We insure a wide range of commercial operations, including contractors, agricultural businesses with commercial exposures, retail stores, service providers, and other locally owned businesses throughout Central Minnesota. If your business has property, vehicles, employees, or liability exposure, we can help find the right coverage.
Can I bundle commercial property and general liability insurance?
Yes. Many businesses bundle property and general liability coverage into a Business Owner’s Policy (BOP), which can simplify coverage and often reduce overall costs. We’ll help determine whether bundling makes sense for your operation.
Do I need commercial insurance if I operate my business from home?
In most cases, yes. Home insurance typically does not cover business-related liability, equipment, or vehicles. Commercial insurance helps protect your business assets and liability exposure, even if you work from home.
How much does commercial insurance typically cost?
The cost of commercial insurance depends on several factors, including your industry, business size, location, payroll, vehicles, and risk exposure. We compare options from multiple carriers to help find coverage that fits both your needs and your budget.
How often should I review my commercial insurance policy?
We recommend reviewing your policy annually or anytime your business changes—such as adding employees, purchasing equipment, expanding services, or acquiring vehicles—to ensure your coverage stays aligned with your operations.
Let’s Get You on the Road
Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.