---
title: "Professional Liability (E&O) Insurance in Delaware"
description: "Review Delaware's home-inspector E&O minimum, board certificate rule, and limits on inspection-related repair work."
canonical: "https://spot.insure/coverage/professional-errors-omissions/delaware"
page-type: "coverage-state-guide"
updated-at: "2026-09-28"
---

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# Professional Liability (E&O) Insurance in Delaware

Delaware home-inspector applicants must show that they or their employer will maintain E&O of at least $50,000 and liability insurance of at least $250,000. The Board's rule calls for a notarized insurance certificate from the carrier, so confirm both the named insured and the covered inspection business before applying.[^1][^2]

**Coverage:** [Professional errors and omissions (E&O)](/coverage/professional-errors-omissions) · [Delaware](/coverage/states/delaware)

## What Is Professional Errors And Omissions (E&O)?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [Read the national Professional errors and omissions (E&O) guide](/coverage/professional-errors-omissions).

## Delaware Requirements

| Requirement | Details |
| --- | --- |
| Home inspector E&O and liability | E&O at least $50,000; liability insurance at least $250,000[^1][^2] |

## What to Watch for in Delaware

### Carrier Certificate for the Board

The applicant or employer must carry both coverages, and the rule requires a notarized certificate submitted to the Board by the insurance carrier. Ask the carrier to issue the certificate in the exact applicant or employer name used in the license filing.[^2]

### Match Coverage to the Written Inspection

Delaware defines a home inspection as a written professional opinion on specified components of a residential building with four or fewer units, including accessible systems and site aspects. Ensure the policy schedule and application describe every inspection service your firm actually sells.[^3]

### One-Year Repair Restriction

For one year after inspecting a property, a Delaware home inspector may not repair, replace, or upgrade for compensation systems or components covered by the state's inspection standards. If your firm also offers repair work, ask how separate entities, staff, and services are treated in policy wording and client contracts.[^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.[^4][^5][^6]

- [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.[^7][^8]

## Providers With Documented State Licenses

These providers publish a national listing for Professional errors and omissions (E&O); 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.

- [At-Bay](/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction.[^9]
- [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.[^10]
- [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.[^11]
- [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^13]
- [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^12]
- [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.[^15]
- [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.[^16]

## Questions to Ask Before You Buy in Delaware

1. Will the carrier submit the notarized certificate to the Delaware Board in the same legal name as my applicant?
2. Does the E&O schedule cover each component and inspection service included in our written reports?
3. How should I disclose or separate repair work barred during the year after an inspection?

## Professional Errors And Omissions (E&O) in Delaware: FAQ

### How much E&O insurance does a Delaware home inspector need?

At least $50,000 in E&O plus at least $250,000 in liability insurance. The applicant or employer may carry the coverage, and the rule requires a notarized carrier certificate for the Board.[^1][^2]

### Can a Delaware home inspector repair an item after inspecting it?

Not for compensation during the year after the inspection if the system or component is covered by Delaware's inspection standards.[^2]

## Professional Errors And Omissions (E&O) in Other States

- [Alabama](/coverage/professional-errors-omissions/alabama)
- [Alaska](/coverage/professional-errors-omissions/alaska)
- [Arizona](/coverage/professional-errors-omissions/arizona)
- [Arkansas](/coverage/professional-errors-omissions/arkansas)
- [California](/coverage/professional-errors-omissions/california)
- [Colorado](/coverage/professional-errors-omissions/colorado)
- [Connecticut](/coverage/professional-errors-omissions/connecticut)
- [District of Columbia](/coverage/professional-errors-omissions/district-of-columbia)
- [Florida](/coverage/professional-errors-omissions/florida)
- [Georgia](/coverage/professional-errors-omissions/georgia)
- [Hawaii](/coverage/professional-errors-omissions/hawaii)
- [Idaho](/coverage/professional-errors-omissions/idaho)
- [Illinois](/coverage/professional-errors-omissions/illinois)
- [Indiana](/coverage/professional-errors-omissions/indiana)
- [Iowa](/coverage/professional-errors-omissions/iowa)
- [Kansas](/coverage/professional-errors-omissions/kansas)
- [Kentucky](/coverage/professional-errors-omissions/kentucky)
- [Louisiana](/coverage/professional-errors-omissions/louisiana)
- [Maine](/coverage/professional-errors-omissions/maine)
- [Maryland](/coverage/professional-errors-omissions/maryland)
- [Massachusetts](/coverage/professional-errors-omissions/massachusetts)
- [Michigan](/coverage/professional-errors-omissions/michigan)
- [Minnesota](/coverage/professional-errors-omissions/minnesota)
- [Mississippi](/coverage/professional-errors-omissions/mississippi)
- [Missouri](/coverage/professional-errors-omissions/missouri)
- [Montana](/coverage/professional-errors-omissions/montana)
- [Nebraska](/coverage/professional-errors-omissions/nebraska)
- [Nevada](/coverage/professional-errors-omissions/nevada)
- [New Hampshire](/coverage/professional-errors-omissions/new-hampshire)
- [New Jersey](/coverage/professional-errors-omissions/new-jersey)
- [New Mexico](/coverage/professional-errors-omissions/new-mexico)
- [New York](/coverage/professional-errors-omissions/new-york)
- [North Carolina](/coverage/professional-errors-omissions/north-carolina)
- [North Dakota](/coverage/professional-errors-omissions/north-dakota)
- [Ohio](/coverage/professional-errors-omissions/ohio)
- [Oklahoma](/coverage/professional-errors-omissions/oklahoma)
- [Oregon](/coverage/professional-errors-omissions/oregon)
- [Pennsylvania](/coverage/professional-errors-omissions/pennsylvania)
- [Rhode Island](/coverage/professional-errors-omissions/rhode-island)
- [South Carolina](/coverage/professional-errors-omissions/south-carolina)
- [South Dakota](/coverage/professional-errors-omissions/south-dakota)
- [Tennessee](/coverage/professional-errors-omissions/tennessee)
- [Texas](/coverage/professional-errors-omissions/texas)
- [Utah](/coverage/professional-errors-omissions/utah)
- [Vermont](/coverage/professional-errors-omissions/vermont)
- [Virginia](/coverage/professional-errors-omissions/virginia)
- [Washington](/coverage/professional-errors-omissions/washington)
- [West Virginia](/coverage/professional-errors-omissions/west-virginia)
- [Wisconsin](/coverage/professional-errors-omissions/wisconsin)
- [Wyoming](/coverage/professional-errors-omissions/wyoming)

[Other Coverage in Delaware](/coverage/states/delaware)

## Sources

[^1]: [Delaware Code, Title 24, Chapter 41, Subchapter II](https://delcode.delaware.gov/title24/c041/sc02/) — Delaware General Assembly; 24 Del. C. § 4108(a)(8). Accessed 2026-09-28.
[^2]: [Final Regulations, Board of Home Inspectors](https://archive.regulations.delaware.gov/register/november2023/final/27%20DE%20Reg%20348%2011-01-23.htm) — Delaware Department of State; 27 DE Reg. 348 (Nov. 1, 2023), §§ 4.6, 17.1.6, 18.1.2–18.1.3. Accessed 2026-09-28.
[^3]: [Delaware Code, Title 24, Chapter 41, Subchapter I](https://delcode.delaware.gov/title24/c041/sc01/) — Delaware General Assembly; 24 Del. C. § 4102(5). Accessed 2026-09-28.
[^4]: [Delaware Department of Insurance](https://insurance.delaware.gov/) — Delaware Department of Insurance; Official Department homepage and regulatory resources. Accessed 2026-09-28.
[^5]: [Services](https://insurance.delaware.gov/services/) — Delaware Department of Insurance; Department service directory links to the state insurance licensee search. Accessed 2026-09-28.
[^6]: [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.
[^7]: [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.
[^8]: [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.
[^9]: [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.
[^10]: [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.
[^11]: [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.
[^12]: [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.
[^13]: [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.
[^14]: [Licenses & Disclosures](https://riskcubeai.com/licenses) — RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
[^15]: [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.
[^16]: [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.

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