Small Business Insurance in Delaware

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Access your account through our mobile-friendly website

    Our mobile-friendly website makes it easy to request proof of insurance or make a change request. Handle your business insurance needs on the go at any time of day.

  • Get Your Delaware Insurance Answers Quickly

    State insurance laws can be tricky at times. Our team of experts knows Delaware Insurance requirements. Help is just a phone call away, or you can reach out online.

  • Stay in Compliance with Delaware Business Insurance Requirements

    Workers' Compensation coverage is required in DE for businesses with employees as is Commercial Auto insurance if your Delaware business operates vehicles. CoverWallet can assist you with both of these coverages and more.

  • Plans Made for Your Delaware Business

    Even if you are a small business with a tight budget, CoverWallet plans are flexible, with plan options starting as low as $29 per month. Our expert insurance advisors can help you get the coverage you need for your Delaware business quickly and affordably.

Coverage Plans for All Your Needs

Starting a business in Delaware opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.

BASIC

Essential coverage for your Delaware business

General Liability

From
29
Month
Instant quote »

Includes:

  • Bodily Injury
  • Damage to third party property
  • Personal Injury
Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From
39
Month
Instant quote »

All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records
Get STANDARD plan

PRO

When you also have at least one employee

General Liability + Property and Workers Compensation (WC)

From
39 *
Month

* Plus Workers Compensation

Instant quote »

All standard plan benefits and:

  • Coverage for work-related accidents and diseases and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery
    • Legal fees
Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

From
___
Month
Instant quote »
  • Choose your coverage

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

Whether you’re looking to satisfy Delaware requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.

General Liability

If you own a business in Delaware, protect your business and personal assets from claims and settlements that could destroy your business. General Liability Insurance covers personal injury and bodily injury liability, property damage liability, legal defense, and judgments.

Commercial Property

Commercial Property Insurance protects your building and its contents, including equipment, supplies, and inventory stored at covered locations. Common perils such as fire, theft, vandalism, and water damage are all covered by one policy.

Workers Compensation

Most Delaware businesses are required to carry Workers' Compensation coverage. This essential insurance policy provides income replacement, medical care, and rehabilitation in the event of work-related injuries.

Business Auto

Protect your Delaware business from losses due to an auto accident with Commercial Auto Insurance. Ensure that your vehicle and driver are covered as well as safeguarding you business against lawsuits due to bodily injury or property damage liability.

Umbrella Insurance

An Umbrella Insurance policy is designed to protect your Delaware business against major claims and lawsuits. It provides additional liability coverage above the limits of your underlying insurance policies, extending your protection.

Product Liability

Protect your Delaware business against liability due to product defects, whether products you sell or products you manaufacture. Product tampering, contamination, or design flaws are all covered with Product Liability Insurance.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

Do I need to carry Workers Compensation in Delaware?

If you have employees, you will need to carry Workers' Compensation in DE. There are some exceptions, such as for farm workers, in which case coverage is still a wise option.

Do I need insurance for my business in Delaware?

In Delaware, you're required to carry Workers' Compensation coverage in most cases and Commercial Auto Insurance if your business operates vehicles. Other important coverages include General Liability Insurance.

How much General Liability Insurance is needed in Delaware?

A policy with a $1 million per occurence limit and $2 million agggregate limit is a common choice. Depending on your business exposure, you can often choose higher coverage limits.

I have several vehicles that I use to operate my business, what limits for Business Auto Insurance are needed in Delaware?

Delaware requires that you carry $10,000 for property damage liability, $25,000 for bodily injury per person, and $50,000 for bodily injury per accident on your Commercial Auto Insurance policy.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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The Power Behind CoverWallet

Algorithms, Science, Magic
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Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

State of the Art Technology

We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.

References for Small Businesses in Delaware

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

SBA Office of Wilmington, Delaware

I. M. PEI Building, 1105 Market Street Lobby Level, Suite 02, Wilmington, Delaware, 19801
Mon through Fri from 8:00 AM to 4:30 PM
(302) 573-6294
Visit the website

Delaware Department of Insurance

841 Silver Lake Blvd, Dover, Delaware, 19904
Mon through Fri from 8:00 AM to 4:30 PM
(302) 674-7300
Visit the website