Delaware Business Insurance

Customized protection for your Delaware business

Delaware businesses should consider business insurance to protect their livelihood from a variety of work-related incidents, like a customer slip and fall or an employee injury on the job.

Small businesses account for 98.6% of all Delaware businesses and collectively employ over 205,000 people, making them a crucial part of the First State’s economy. These small businesses are required by Delaware state law to carry workers’ compensation insurance to protect their employees who become injured at work.

Luckily, finding the business insurance that suits your needs is simple with the Progressive Advantage® Business Program. Our insurance experts can help customize a policy just for you.

Types of DE business insurance

General Liability

This is the most common business insurance coverage, and nearly all businesses in Delaware should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

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Commercial Auto

This coverage protects against damage to your vehicles and trailers, as well as injuries or property damage related to their use. Your personal auto policy doesn’t cover vehicles while they’re being used for business reasons.

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Workers' Compensation

Employers in Delaware are required to carry workers’ comp insurance if they have one or more employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you.

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Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

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Professional Liability

Delaware businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).

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Cyber Insurance

This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

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How much does business insurance cost in Delaware?

The cost of business insurance in Delaware depends on many factors including your business’s size and location. For example, a business in Georgetown with two employees will have a different insurance rate than one in Wilmington with fifteen employees.

The most influential factor is the type of work your business does. For example, a window washer who typically works suspended from the side of tall buildings is exposed to more risk than a housecleaner who usually works from the ground level. The window washer can expect to pay a higher rate as a result.

Learn more about the factors that affect your business insurance rate.

Delaware business insurance requirements

Delaware businesses that have one or more employees are required by law to have workers’ compensation insurance. Farm workers are exempt under this law, but their employers may choose to carry workers’ comp coverage.

While other types of business insurance, such as general liability, aren’t legally required in Delaware, you should still consider them for your business. Additional insurance can help provide peace of mind that your business is protected.

Resources for Delaware small business owners:

Delaware professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

  1. Options

  2. Experts

  3. Convenience

Business insurance for all Delaware cities

We can customize business insurance in all Delaware cities, including, but not limited to:

  • Wilmington
  • Dover
  • Newark
  • Middletown
  • Smyrna
  • Milford
  • Seaford
  • Georgetown
  • Elsmere
  • New Castle

More information

Man with Delaware business insurance works in a commercial van

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