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Flooring installation
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House cleaning
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Business Insurance in Delaware
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Recommended insurance policies for small businesses in Delaware
General liability insurance
This policy is important for all Delaware businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
BEST FOR
- Customer injuries at your business
- Damaged customer property
- Libel and other advertising injuries
Professional liability insurance
This policy, also called errors and omissions insurance (E&O), protects professionals whose work depends on their expertise. It covers lawsuits over mistakes and missed deadlines.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy helps Delaware businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
BEST FOR
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Delaware business.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
Workers’ compensation insurance
Workers’ comp insurance is required for all Delaware businesses that hire employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Commercial auto insurance
This policy is required for business-owned vehicles in Delaware. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
BEST FOR
- Accidents involving business vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
Delaware business insurance requirements
State laws can affect which business insurance coverage you need. These policies are required in Delaware.
Workers' compensation insurance
If you have one or more employees, full-time or part-time, Delaware law requires you to carry workers' compensation insurance. Employers may not charge an employee any amount for the coverage costs.
This policy covers medical bills for work-related injuries and illnesses. It also provides disability payments while the employee is recovering and unable to work.
Commercial auto insurance
All business-owned vehicles must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.
Delaware's auto insurance requirements are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $15,000 personal injury protection for any one person
- $30,000 personal injury protection for all persons injured in any one accident
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
How much does small business insurance cost?
Commercial insurance can be affordable for Delaware small business owners.
Factors that influence premiums include:
- Type of business and its risks
- Business revenue and location
- Number of employees
- Type of insurance purchased
- Policy limits and other coverage options
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Find the right policies and get your certificate of insurance
Insureon's licensed agents can help you find policies that fulfill Delaware's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Delaware, insurance agencies, agents, and brokers are licensed by the State of Delaware Department of Insurance. Insureon is licensed in Delaware as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 1112151). Verify our licensure with the National Association of Insurance Commissioners.