---
title: "Business Insurance in Delaware"
description: "38 state-specific insurance coverage guides, plus Delaware Department of Insurance contact and license lookup resources for Delaware."
canonical: "https://spot.insure/coverage/states/delaware"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
---

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[Human-readable page](https://spot.insure/coverage/states/delaware)

# Business Insurance in Delaware

## Insurance Regulator

**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.[^1][^2][^3]

- [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.[^4][^5]

## Coverage Guides

- [General Liability Insurance in Delaware](/coverage/general-liability/delaware): Delaware permits recovery when claimant fault is no greater than defendant fault and uses different limitation periods for bodily injury, personal-property damage, and indirect injury.
- [Directors and Officers (D&O) Insurance in Delaware](/coverage/directors-officers/delaware): See how Delaware indemnification and charter exculpation rules affect the protection to check for corporate directors and officers.
- [Technology E&O in Delaware](/coverage/technology-errors-omissions/delaware): Delaware’s Consumer Fraud Act expressly includes services and now states that covered unfair or deceptive conduct may occur after the transaction.
- [Cyber Liability Insurance in Delaware](/coverage/cyber/delaware): Delaware sets a 60-day determination clock, an SSN monitoring offer, and a compliance route for qualifying internal or regulator procedures.
- [Media Liability Coverage in Delaware](/coverage/media/delaware): Delaware's public-expression motion law changed for claims asserted on or after September 15, 2025; its scope includes journalism and consumer reviews but contains exclusions that matter to publishers.
- [Employment practices liability in Delaware](/coverage/employment-practices/delaware): Delaware’s four-employee threshold, protective-hairstyle definition, and required administrative process shape EPLI quote questions.
- [Fiduciary Liability Insurance in Delaware](/coverage/fiduciary/delaware): Check Delaware small-group administrator assignments and continuation exposure when preparing a fiduciary-liability submission.
- [Delaware Hired and Non-Owned Auto Coverage](/coverage/hired-non-owned-auto/delaware): How Delaware’s no-fault PIP rules may reach people using vehicles away from home, and questions to ask about work trips.
- [Professional Liability (E&O) Insurance in Delaware](/coverage/professional-errors-omissions/delaware): Review Delaware's home-inspector E&O minimum, board certificate rule, and limits on inspection-related repair work.
- [Workers’ Compensation Insurance in Delaware](/coverage/workers-compensation/delaware): Learn Delaware’s one-employee coverage rule, owner and farm exceptions, and when out-of-state work requires Delaware coverage.
- [Delaware BOP insurance: compare coastal flood and business-income gaps](/coverage/business-owners-policy/delaware): Compare Delaware BOP property, liability and income terms with the state’s current and projected flood-risk mapping.
- [Delaware umbrella and excess liability: get written approval for limit substitutions](/coverage/umbrella-excess/delaware): For vendors bidding Delaware state work and out-of-state employers sending crews into the state.
- [Medical malpractice insurance in Delaware](/coverage/medical-malpractice/delaware): Delaware malpractice claim procedure makes expert evidence, defendant identity, and early records part of a practice’s coverage planning.
- [Representations and Warranties Insurance in Delaware](/coverage/representations-warranties/delaware): Understand Delaware’s all-assets vote rule, its wholly owned subsidiary and secured-creditor exceptions, and statutory merger liability succession.
- [Kidnap and Ransom Insurance in Delaware](/coverage/kidnap-ransom/delaware): See how Delaware's surplus-lines rules, disclosures, and placement options affect a business buying kidnap and ransom coverage.
- [Delaware crime insurance guide](/coverage/crime/delaware): Crime insurance considerations for Delaware businesses, with statutory bond scope for licensed money transmitters.
- [Commercial Auto Insurance in Delaware](/coverage/commercial-auto/delaware): Delaware provides a commercial auto assigned-risk route and a self-insurance application for qualifying registered fleets.
- [Cargo and Transit Insurance in Delaware](/coverage/cargo-transit/delaware): Review Delaware's carrier-liability conditions and state-recognized transit-insurance scope without confusing either with a shipment policy.
- [Liquor Liability in Delaware](/coverage/liquor-liability/delaware): Delaware’s Supreme Court has declined to create dram-shop and social-host causes of action, while state law requires licensed sellers to refuse service to intoxicated patrons.
- [Key Person Insurance in Delaware](/coverage/key-person/delaware): Check Delaware’s 50-employee and in-state policy conditions, consent exception, and business-sale rules for employer-owned life coverage.
- [Product Liability in Delaware](/coverage/product-liability/delaware): Delaware generally gives personal-injury claims two years and has a separate construction-improvement repose rule with a narrower scope.
- [Commercial Property Insurance in Delaware](/coverage/commercial-property/delaware): Delaware’s residential flood-insurance model act expressly excludes commercial property, so do not assume its residential rate-filing and consumer-notice rules govern a business flood policy.
- [Delaware garage liability and repair-shop temporary tags](/coverage/garage-liability/delaware): A guide for Delaware dealers and certified repair technicians, focused on the narrow insurance trigger tied to repair technicians issuing temporary plates.
- [Inland Marine Insurance in Delaware](/coverage/inland-marine/delaware): Delaware's marine definition follows property through shipment preparation, delays, storage, and transshipment, while a separate wet-marine subcategory applies only to specified watercraft, builder's risks, and import/export or water-route cargo.
- [Delaware State Public Works Bonds](/coverage/surety-bonds/delaware): Delaware state public works distinguish agency-set small-contract rules from large-contract bid and performance bonds.
- [Delaware Builders Risk Insurance](/coverage/builders-risk/delaware): Use Delaware’s parcel-level flood tools carefully and check drainage conditions beyond mapped flood zones.
- [Equipment Breakdown Insurance in Delaware](/coverage/equipment-breakdown/delaware): Delaware requires new boiler and pressure-vessel installations to be registered and inspected, and an operating certificate must be obtained before operation; a contractor’s operational report is part of that process.
- [Delaware management-liability coverage for growing teams and board service](/coverage/management-liability/delaware): Delaware’s four-employee threshold and its corporate advancement rules create practical EPL and D&O checks for a growing company, especially when leaders serve affiliates or face an internal company claim.
- [Product Recall Insurance in Delaware](/coverage/product-recall/delaware): Delaware assigns meat, poultry, and egg recall investigations to its Agriculture Department; check product scope and response expenses.
- [Delaware Fidelity Bonds for Workers’ Compensation Self-Insurance Groups](/coverage/fidelity-bonds/delaware): Delaware workers’ compensation self-insurance groups should require distinct fidelity evidence for the administrator and service company.
- [Intellectual Property Insurance in Delaware](/coverage/intellectual-property/delaware): See how Delaware trademark and trade-secret remedies affect defense and enforcement planning for brands, products, and confidential business information.
- [Last-mile delivery insurance in Delaware](/coverage/last-mile-delivery/delaware): For Delaware-only routes, check the vehicle's GVW/GVWR before relying on the intrastate motor-carrier safety carveout; vehicle financial-responsibility filings remain a separate question.
- [Venture Capital Asset Protection Insurance in Delaware](/coverage/venture-capital-asset-protection/delaware): Check how Delaware adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Digital asset business insurance in Delaware](/coverage/digital-assets/delaware): Coverage questions for Delaware virtual-currency businesses and custodians handling customer entitlements.
- [Telehealth Insurance in Delaware](/coverage/virtual-care-telehealth/delaware): Delaware uses the patient’s Delaware site as the default originating site, authorizes defined professions, and requires registration for many out-of-state providers.
- [Generative AI liability insurance in Delaware](/coverage/generative-ai-liability/delaware): Delaware’s privacy law distinguishes consumer household data from employment data and applies only above its processing thresholds; map prompts, profiles, and processor contracts.
- [Employee Health Benefits in Delaware](/coverage/employee-health-benefits/delaware): State-specific enrollment and continuation rules help employers in Delaware compare group plans and employee transitions.
- [Trucking Insurance in Delaware](/coverage/trucking/delaware): Understand Delaware's 26,000-pound intrastate safety-rule cutoff, its hazmat and passenger exceptions, and the separate IRP insurance filing.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources

[^1]: [Delaware Department of Insurance](https://insurance.delaware.gov/) — Delaware Department of Insurance; Official Department homepage and regulatory resources. Accessed 2026-09-28.
[^2]: [Services](https://insurance.delaware.gov/services/) — Delaware Department of Insurance; Department service directory links to the state insurance licensee search. Accessed 2026-09-28.
[^3]: [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.
[^4]: [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.
[^5]: [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.
[^6]: [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.
[^7]: [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.
[^8]: [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.
[^9]: [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.
[^10]: [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.
[^11]: [Licenses & Disclosures](https://riskcubeai.com/licenses) — RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
[^12]: [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.
[^13]: [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.

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