If you have one or more employees, 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 injuries and illnesses.
All business-owned vehicles must be covered by commercial auto insurance. Delaware requires a minimum of $25,000 bodily injury or death per person, $50,000 bodily injury liability per accident, and $10,000 property damage liability per accident.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
This policy is important for all Delaware businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
This policy helps Delaware businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Delaware business.
Workers’ compensation insurance is required for all Delaware businesses that hire employees. It can cover medical costs for work injuries and illnesses.
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.
In Delaware, insurance agents, agencies, 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.