--- title: "Employment practices liability in Delaware" description: "Delaware’s four-employee threshold, protective-hairstyle definition, and required administrative process shape EPLI quote questions." canonical: "https://spot.insure/coverage/employment-practices/delaware" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/employment-practices/delaware) # Employment practices liability in Delaware Delaware’s employment discrimination law generally applies to employers with four or more Delaware employees. It defines race to include hair texture and protective hairstyles, and recognizes discrimination tied to domestic violence, sexual offenses, and stalking. A verified charge starts an administrative process before a state suit may proceed.[^1][^2] **Coverage:** [Employment practices liability](/coverage/employment-practices) · [Delaware](/coverage/states/delaware) ## What Is Employment Practices Liability? EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [Read the national Employment practices liability guide](/coverage/employment-practices). ## Delaware Requirements | Requirement | Details | | --- | --- | | Delaware employer threshold | The state employment discrimination chapter defines an employer as a person employing four or more employees within Delaware at the time of the alleged violation.[^1][^2] | ## What to Watch for in Delaware ### Check the four-employee count at the time of the alleged act Delaware’s definition counts four or more employees within the state at the time of the alleged violation. Ask how the quote counts Delaware workers and which affiliated entities are insured.[^1] ### Include Delaware-specific discrimination allegations Delaware defines race to include hair texture and protective hairstyles such as braids, locks, and twists. Its law also bars discrimination based on victim status related to domestic violence, sexual offenses, or stalking and requires reasonable accommodations in those cases unless undue hardship applies. Ask how the policy addresses these allegations and related defense costs.[^1][^2] ### Map the state charge process before a lawsuit A verified charge must be filed with the Department of Labor within 300 days of the alleged practice or its discovery. The administrative process is the state chapter’s sole remedy, and suit follows exhaustion and receipt of a Delaware Right to Sue Notice; the notice sets a 90-day suit period. Agree on who handles agency papers and insurer notice.[^1][^2] ### Check the 50-employee harassment training rule Employers with 50 or more counted employees in Delaware must provide interactive sexual-harassment training on a two-year cycle. Applicants and independent contractors do not count toward the 50-person threshold and need not be trained; employees with less than six continuous months also need not be trained. Employment agencies alone must count and train employees they place. Additional supervisor training applies; ask how the quote or application treats the employer’s prevention controls.[^1] ## Who Regulates Insurance in Delaware **Delaware Department of Insurance.** The Delaware Department of Insurance licenses and regulates insurers and insurance producers, reviews regulated insurance activity, and handles complaints. Its consumer division can help you raise an insurance concern and its services page links to official license searches.[^3][^4][^5] - [Regulator website](https://insurance.delaware.gov/) - [License lookup](https://insurance.delaware.gov/services/) - [File a complaint](https://insurance.delaware.gov/divisions/consumerhp/) - Phone: (800) 282-8611 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium, less return premium, when Delaware is the home state When Delaware is the insured’s home state, its 3% surplus-lines premium tax applies to the entire premium of a multistate policy, less returned premiums and excluding federal and state taxes and examination fees. Ask the surplus-lines broker to confirm the home-state determination and tax calculation, and separately explain how exposures are allocated in the required reports; those allocations do not reduce the premium subject to Delaware’s tax.[^6][^7] ## Providers With Documented State Licenses These providers publish a national listing for Employment practices liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Delaware; [check the regulator’s license lookup](https://insurance.delaware.gov/services/) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^9] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^10] - [RiskCube](/insurance-providers/riskcube) — **Entity:** RiskCube Insurance Services, LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** RiskCube’s license page, effective February 11, 2026, lists property-and-casualty producer/broker licenses in California and Delaware and names NPN 21694336. The company says it is expanding its licensing footprint; no other states are listed.[^13] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^14] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^15] ## Questions to Ask Before You Buy in Delaware 1. Does the policy reflect the Delaware four-employee state threshold and the correct scheduled entities? 2. How does the policy respond to allegations involving protective hairstyles or a worker’s victim status? 3. Who receives a Delaware Department of Labor charge and coordinates the verified response and insurer notice? ## Employment Practices Liability in Delaware: FAQ ### Can a Delaware employment discrimination lawsuit begin without a state administrative charge? For claims under this chapter, the statute requires a charge and administrative process before a charging party may bring a Superior Court action. A Delaware Right to Sue Notice follows exhaustion, and suit must be filed within the notice period.[^1][^2] ### When does Delaware require sexual-harassment training? Employers with 50 or more counted employees in Delaware provide interactive employee training and additional supervisor training on a two-year cycle. Applicants and independent contractors are excluded from the headcount and training; employees with less than six continuous months need not be trained. Employment agencies uniquely count and train employees they place.[^1] ## Employment Practices Liability in Other States - [Alabama](/coverage/employment-practices/alabama) - [Alaska](/coverage/employment-practices/alaska) - [Arizona](/coverage/employment-practices/arizona) - [Arkansas](/coverage/employment-practices/arkansas) - [California](/coverage/employment-practices/california) - [Colorado](/coverage/employment-practices/colorado) - [Connecticut](/coverage/employment-practices/connecticut) - [District of Columbia](/coverage/employment-practices/district-of-columbia) - [Florida](/coverage/employment-practices/florida) - [Georgia](/coverage/employment-practices/georgia) - [Hawaii](/coverage/employment-practices/hawaii) - [Idaho](/coverage/employment-practices/idaho) - [Illinois](/coverage/employment-practices/illinois) - [Indiana](/coverage/employment-practices/indiana) - [Iowa](/coverage/employment-practices/iowa) - [Kansas](/coverage/employment-practices/kansas) - [Kentucky](/coverage/employment-practices/kentucky) - [Louisiana](/coverage/employment-practices/louisiana) - [Maine](/coverage/employment-practices/maine) - [Maryland](/coverage/employment-practices/maryland) - [Massachusetts](/coverage/employment-practices/massachusetts) - [Michigan](/coverage/employment-practices/michigan) - [Minnesota](/coverage/employment-practices/minnesota) - [Mississippi](/coverage/employment-practices/mississippi) - [Missouri](/coverage/employment-practices/missouri) - [Montana](/coverage/employment-practices/montana) - [Nebraska](/coverage/employment-practices/nebraska) - [Nevada](/coverage/employment-practices/nevada) - [New Hampshire](/coverage/employment-practices/new-hampshire) - [New Jersey](/coverage/employment-practices/new-jersey) - [New Mexico](/coverage/employment-practices/new-mexico) - [New York](/coverage/employment-practices/new-york) - [North Carolina](/coverage/employment-practices/north-carolina) - [North Dakota](/coverage/employment-practices/north-dakota) - [Ohio](/coverage/employment-practices/ohio) - [Oklahoma](/coverage/employment-practices/oklahoma) - [Oregon](/coverage/employment-practices/oregon) - [Pennsylvania](/coverage/employment-practices/pennsylvania) - [Rhode Island](/coverage/employment-practices/rhode-island) - [South Carolina](/coverage/employment-practices/south-carolina) - [South Dakota](/coverage/employment-practices/south-dakota) - [Tennessee](/coverage/employment-practices/tennessee) - [Texas](/coverage/employment-practices/texas) - [Utah](/coverage/employment-practices/utah) - [Vermont](/coverage/employment-practices/vermont) - [Virginia](/coverage/employment-practices/virginia) - [Washington](/coverage/employment-practices/washington) - [West Virginia](/coverage/employment-practices/west-virginia) - [Wisconsin](/coverage/employment-practices/wisconsin) - [Wyoming](/coverage/employment-practices/wyoming) [Other Coverage in Delaware](/coverage/states/delaware) ## Sources [^1]: [Title 19, Chapter 7, Subchapter II — Discrimination in Employment](https://delcode.delaware.gov/title19/c007/sc02/) — Delaware Code Online; §§ 710(7), 710(22), 711(i), (g)(1)–(4), (g)(6)(a)–(c), and 714: four-employee threshold; race includes hair texture and protective hairstyle; domestic-violence and sexual-offense protections; harassment-training headcount, category exclusions, employment-agency placement rule; charge and right-to-sue process.. Accessed 2026-09-28. [^2]: [Title 19 — Labor](https://delcode.delaware.gov/title19/title19.pdf) — Delaware Code Online / Delaware General Assembly; Official codification, including Chapter 7, Subchapter II §§ 710–715; code states it includes acts enacted through 2026-08-27.. Accessed 2026-09-28. [^3]: [Delaware Department of Insurance](https://insurance.delaware.gov/) — Delaware Department of Insurance; Official Department homepage and regulatory resources. Accessed 2026-09-28. [^4]: [Services](https://insurance.delaware.gov/services/) — Delaware Department of Insurance; Department service directory links to the state insurance licensee search. Accessed 2026-09-28. [^5]: [Consumer Services](https://insurance.delaware.gov/divisions/consumerhp/) — Delaware Department of Insurance; Complaint filing and consumer assistance; publishes Consumer Services phone. Accessed 2026-09-28. [^6]: [Surplus Lines Bulletin 22](https://insurance.delaware.gov/wp-content/uploads/sites/15/2025/10/linesbull22.pdf) — Delaware Department of Insurance; Surplus Lines Bulletin 22 (October 2025; printed day is blank), reproducing 18 Del. C. § 1925: home-state tax treatment, all premium on multistate policy if Delaware is home state, 3% rate, and exclusion of federal/state taxes and examination fees from gross premium. Accessed 2026-09-28. [^7]: [Delaware Code, Title 18, §§1923–1925](https://delcode.delaware.gov/title18/c019/sc02/) — Delaware General Assembly; §1923(a)(1),(12) home-state verification and allocation records; §1924(b)(3)–(6) separate premium reporting; §1925(b)–(c) 3% tax, deductions/exclusions and full multistate premium when Delaware is home state. Accessed 2026-09-28. [^8]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^9]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^10]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^11]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^12]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^13]: [Licenses & Disclosures](https://riskcubeai.com/licenses) — RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. [^14]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^15]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/employment-practices/delaware.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)