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.

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.

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

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 or slander lawsuits

Professional liability insurance

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.

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

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.

BEST FOR

Customer injuries
Damaged customer property
Damaged business property

Workers’ compensation insurance

Workers’ compensation insurance is required for all Delaware businesses that hire employees. It can cover medical costs for work injuries and illnesses.

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-owned vehicles
Theft of a business-owned vehicle
Damage to a company vehicle

Looking for different coverage? See more policies.

How much does small business insurance cost?

Business woman calculating costs of insurance.

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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