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Delaware Hired and Non-Owned Auto Coverage

Delaware’s required auto insurance includes personal injury protection for vehicle occupants and certain other injured people. For Delaware named insureds and household members, the statute also extends PIP in specified situations when they are pedestrians or occupants of a vehicle registered outside Delaware elsewhere in the United States, its territories, or Canada. That personal PIP rule does not establish coverage under an employer’s HNOA policy. 1,2

What Is Hired And Non-Owned Auto?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

Delaware Requirements

RequirementDetails
PIP follows specified people in some out-of-state situationsFor a Delaware motor vehicle policy, required PIP applies to each occupant and certain other people injured in an accident involving the vehicle. The statute also extends the coverage to named insureds and household members injured as pedestrians or while occupying a registered vehicle other than a Delaware-insured vehicle in the United States, its territories, possessions, or Canada. Minimum PIP limits are $15,000 per person and $30,000 per accident. 1

What to Watch for in Delaware

  • A personal PIP rule is not an HNOA coverage grant

    Delaware’s statute describes coverage under insurance on a motor vehicle and gives named insureds and household members protection in specified circumstances. Ask whether the employee’s situation meets those terms and separately confirm whether the employer’s hired/non-owned policy includes any applicable first-party benefits. 1

  • PIP scope depends on the injured person and vehicle

    The statute’s PIP provision applies to occupants of the insured vehicle and certain other people, but excludes an occupant of another motor vehicle from that particular extension. The broader extension for named insureds and household members has its own registered-vehicle and geography conditions. Confirm which rule applies to each employee and trip. 1

  • Delaware minimums attach to registered vehicles

    The Delaware Department of Insurance describes the state’s minimum automobile insurance requirements as applying to Delaware-registered motor vehicles. For rented or employee-owned autos, ask who owns and insures the vehicle, where it is registered, and how required protections are documented. 2

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

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 Hired and non-owned auto; 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 the product is available in Delaware. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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

Questions to Ask Before You Buy in Delaware

  1. Is the employee a named insured or household member on a Delaware auto policy, and does the trip meet § 2118’s PIP conditions?
  2. Does the employer’s policy provide any medical or no-fault benefits for an employee in a hired or non-owned car?
  3. Who is responsible for injury payments, vehicle damage, and proof of insurance when a Delaware employee drives a rental or personal car for work?

Hired And Non-Owned Auto in Delaware: FAQ

Can Delaware PIP apply when a Delaware insured is in a vehicle registered outside Delaware? 1

Section 2118(a)(2)(d) extends the specified PIP coverage to named insureds and household members injured while occupying a registered vehicle other than a Delaware-insured vehicle, or while pedestrians, in the United States, its territories or possessions, or Canada. Applicability depends on the statute’s terms and the person’s policy. 1

What are Delaware’s minimum PIP limits? 1

The statute sets a minimum of $15,000 for one injured person and $30,000 for all persons injured in one accident under the PIP provision. 1

Hired And Non-Owned Auto in Other States

Other Coverage in Delaware

Sources

  1. Delaware Code, Title 21, Chapter 21, Subchapter I. Delaware General Assembly; 21 Del. C. § 2118(a)(2)(b)-(d): $15,000/$30,000 minimum PIP; occupants and other injured persons; named insured/household-member extension for specified out-of-state situations. Accessed 2026-09-28.
  2. Need Insurance? Automobile Insurance. Delaware Department of Insurance; Automobile Insurance: 21 Del. C. requires minimum coverage for Delaware-registered motor vehicles. Accessed 2026-09-28.
  3. Delaware Department of Insurance. Delaware Department of Insurance; Official Department homepage and regulatory resources. Accessed 2026-09-28.
  4. Services. Delaware Department of Insurance; Department service directory links to the state insurance licensee search. Accessed 2026-09-28.
  5. Consumer Services. Delaware Department of Insurance; Complaint filing and consumer assistance; publishes Consumer Services phone. Accessed 2026-09-28.
  6. Surplus Lines Bulletin 22. 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. 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. 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. 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. 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. 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. 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. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
  14. Insurance Licenses by State. 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. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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