--- title: "Trucking Insurance in Delaware" description: "Understand Delaware's 26,000-pound intrastate safety-rule cutoff, its hazmat and passenger exceptions, and the separate IRP insurance filing." canonical: "https://spot.insure/coverage/trucking/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/trucking/delaware) # Trucking Insurance in Delaware Delaware adopts federal motor-carrier safety rules including Part 387, but Chapter 47 does not apply to an intrastate vehicle or combination at 26,000 pounds or less unless it carries placarded hazardous material or seats at least 16 people. The state DMV separately requires current liability-insurance proof with initial, renewal, or transfer applications for apportioned registration.[^1][^2] **Coverage:** [Trucking](/coverage/trucking) · [Delaware](/coverage/states/delaware) ## What Is Trucking? Trucking coverage can address liability, damage to your trucks and cargo losses, but one quote may not include all three. If you haul goods for customers or yourself, compare those protections and check whether the quote needs motor-carrier or other commercial auto coverage. [Read the national Trucking guide](/coverage/trucking). ## Delaware Requirements | Requirement | Details | | --- | --- | | Chapter 47 financial-responsibility scope | Part 387 adopted; Chapter 47 excludes intrastate vehicles/combinations at 26,000 lb or less, except placarded hazmat and 16+ passenger vehicles[^1] | | IRP liability proof | For a new IRP/IFTA carrier account, provide insurance proof before an appointment; Delaware-issued P&C card must show Delaware, NAIC, VIN, and insured name matching title/account[^2] | ## What to Watch for in Delaware ### Check Delaware's Intrastate Weight Cutoff For a single vehicle or combination at 26,000 pounds or less operating intrastate, Delaware Chapter 47 says its adopted safety requirements do not apply, except when the vehicle carries placarded hazardous material or seats 16 or more people. That is a scope limit for this chapter, not proof that every other insurance or permit rule disappears.[^1] ### Confirm The Rule For Heavier Local Vehicles Delaware adopts 49 CFR Part 387 as state motor-carrier safety law and its weight carveout is limited to vehicles at or below 26,000 pounds with two express exceptions. Give the agent the vehicle's gross and combination weight and intrastate route so the state adoption and any other authority requirements can be checked.[^1] ### Submit Insurance With The Delaware IRP Application For a new IRP/IFTA carrier account, Delaware requires proof of insurance before it schedules an appointment. The 2026 application package specifies a Delaware-issued property-and-casualty policy, an insurance card listing Delaware, the NAIC code and accurate VIN, and a named insured matching the title and account.[^2] ### Refresh Proof When Adding An IRP Unit Delaware's current new-carrier packet accepts a binder, declarations page, or policy for a leased-on truck only if its VIN appears in the detailed, signed lease. If you use another carrier's insurance or DOT credentials, give Motor Carrier Services the lease and confirm the required filing before registering the unit.[^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] - [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 No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://insurance.delaware.gov/services/) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Delaware 1. Does the truck's gross or combination weight, placard status, or 16-person capacity put our Delaware-only operation inside Chapter 47? 2. Is this trip intrastate or interstate, and which separate Delaware carrier authority or insurance rules apply outside Chapter 47? 3. Are we applying for Delaware apportioned registration, and will the liability card show the correct legal name and insurer NAIC code? 4. Will the insurer provide proof for each new IRP vehicle before we add it to the fleet? ## Trucking in Delaware: FAQ ### Does Delaware apply Part 387 to an intrastate truck under 26,000 pounds? Generally, Chapter 47 excludes an intrastate vehicle or combination at 26,000 pounds or less, except a vehicle carrying placarded hazardous material or seating 16 or more people. This chapter-specific exception does not establish an exemption from all insurance or operating-authority rules.[^1] ### When does Delaware require insurance proof for an apportioned truck? Before an IRP/IFTA new-carrier appointment. Delaware's 2026 application package requires a Delaware-issued property-and-casualty policy and an insurance card showing Delaware, the insurer's NAIC code, the accurate VIN, and a named insured matching the title and account.[^2] ## Trucking in Other States - [Alabama](/coverage/trucking/alabama) - [Alaska](/coverage/trucking/alaska) - [Arizona](/coverage/trucking/arizona) - [Arkansas](/coverage/trucking/arkansas) - [California](/coverage/trucking/california) - [Colorado](/coverage/trucking/colorado) - [Connecticut](/coverage/trucking/connecticut) - [District of Columbia](/coverage/trucking/district-of-columbia) - [Florida](/coverage/trucking/florida) - [Georgia](/coverage/trucking/georgia) - [Hawaii](/coverage/trucking/hawaii) - [Idaho](/coverage/trucking/idaho) - [Illinois](/coverage/trucking/illinois) - [Indiana](/coverage/trucking/indiana) - [Iowa](/coverage/trucking/iowa) - [Kansas](/coverage/trucking/kansas) - [Kentucky](/coverage/trucking/kentucky) - [Louisiana](/coverage/trucking/louisiana) - [Maine](/coverage/trucking/maine) - [Maryland](/coverage/trucking/maryland) - [Massachusetts](/coverage/trucking/massachusetts) - [Michigan](/coverage/trucking/michigan) - [Minnesota](/coverage/trucking/minnesota) - [Mississippi](/coverage/trucking/mississippi) - [Missouri](/coverage/trucking/missouri) - [Montana](/coverage/trucking/montana) - [Nebraska](/coverage/trucking/nebraska) - [Nevada](/coverage/trucking/nevada) - [New Hampshire](/coverage/trucking/new-hampshire) - [New Jersey](/coverage/trucking/new-jersey) - [New Mexico](/coverage/trucking/new-mexico) - [New York](/coverage/trucking/new-york) - [North Carolina](/coverage/trucking/north-carolina) - [North Dakota](/coverage/trucking/north-dakota) - [Ohio](/coverage/trucking/ohio) - [Oklahoma](/coverage/trucking/oklahoma) - [Oregon](/coverage/trucking/oregon) - [Pennsylvania](/coverage/trucking/pennsylvania) - [Rhode Island](/coverage/trucking/rhode-island) - [South Carolina](/coverage/trucking/south-carolina) - [South Dakota](/coverage/trucking/south-dakota) - [Tennessee](/coverage/trucking/tennessee) - [Texas](/coverage/trucking/texas) - [Utah](/coverage/trucking/utah) - [Vermont](/coverage/trucking/vermont) - [Virginia](/coverage/trucking/virginia) - [Washington](/coverage/trucking/washington) - [West Virginia](/coverage/trucking/west-virginia) - [Wisconsin](/coverage/trucking/wisconsin) - [Wyoming](/coverage/trucking/wyoming) [Other Coverage in Delaware](/coverage/states/delaware) ## Sources [^1]: [Delaware Code, Title 21, Chapter 47 — Motor Carrier Safety](https://delcode.delaware.gov/title21/c047/) — Delaware General Assembly; §4702(a)–(b), adoption of Part 387 and intrastate 26,000-pound exception. Accessed 2026-09-28. [^2]: [New Carrier Application/Checklist — IRP/IFTA](https://services.dmv.de.gov/VehicleServices/MC/docs/irp/pdfs/Motor_Carrier_New_Application_Package.pdf) — Delaware Division of Motor Vehicles, Motor Carrier Services Section; Application checklist, pp. 1–2; checklist dated April 24, 2026; insurance proof before appointment, accepted document and named-insured/VIN requirements. 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/trucking/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)