Business Insurance in Delaware

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What are the requirements for small business insurance in Delaware?

State laws can affect which insurance policies you need for your small business. These policies are required for Delaware businesses.
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Workers' compensation insurance

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.

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Commercial auto insurance

All business-owned vehicles must be covered by commercial auto insurance. Delaware requires a minimum of $15,000 bodily injury or death per person, $25,000 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.

Recommended insurance policies for small businesses in Delaware

Looking for different coverage? See more policies.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small Delaware business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Delaware business insurance

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.

What our customers are saying
"Really fantastic service and follow-up. Didn't feel pressured, felt like they were interested in my business."
Ben Warga
Customer since 2016
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