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Telehealth Insurance in Delaware

Delaware defines the originating site as the patient’s location in Delaware, although provider and insurer may agree to an alternative siting arrangement. Noncompact out-of-state clinicians generally need an interstate telehealth registration, and all authorized providers remain subject to relationship, consent, scope, and follow-up duties. 1,2

What Is Virtual Care And Telehealth?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. Read the national Virtual care and telehealth guide.

What to Watch for in Delaware

  • The Patient Site Is the Default

    Delaware’s default originating site is where the patient is located in Delaware, but the statute expressly allows insurers and providers to agree to a different siting arrangement. If patients travel or receive monitoring from different sites, ask the broker how the policy defines territory and whether its declarations cover the actual patient locations. 1

  • Provider Eligibility Depends on Profession and Compact

    Delaware authorizes telehealth for a named set of professional boards. A provider from a state without an applicable interstate compact must obtain Division of Professional Regulation telehealth registration and remain in good standing. A separate exception allows certain out-of-state mental-health, behavioral-health, or social-work providers to treat Delaware residents subject to a Medical Request Form and other registration rules. Schedule by credential and pathway rather than relying on a telehealth label. 1,2

  • The Relationship Includes Practical Care Duties

    Delaware requires verification of patient location and identity where possible, validation of provider credentials, informed consent about delivery limits, an acceptable diagnosis process, appropriate follow-up coverage, and a written visit summary. New relationships may be established remotely only when the provider can meet the in-person standard of care. Ask how the quote treats the actual professions and care models you use. 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

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 and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Delaware

  1. Which Delaware licensing board or compact covers each clinician, and who will file any required out-of-state registration?
  2. Will the quote apply when patients receive care at their Delaware home or another agreed originating site?
  3. Does our workflow and policy schedule include remote diagnosis, follow-up arrangements, records, and patient summaries?

Virtual Care And Telehealth in Delaware: FAQ

Do out-of-state providers need to register before treating Delaware patients by telehealth? 1,2

Usually, yes if the provider’s home state has not adopted an applicable interstate compact; Delaware requires an interstate telehealth registration, with separate limited mental-health and other exceptions. 1,2

Can a Delaware provider establish a patient relationship by telehealth? 1

Yes, if the provider verifies location and identity as far as possible, confirms credentials, obtains informed consent, establishes a diagnosis using acceptable practice, and can meet the same standard of care as in person. 1

Virtual Care And Telehealth in Other States

Other Coverage in Delaware

Sources

  1. Delaware Code, Title 24, Chapter 60, Provisions Applicable to Telehealth and Telemedicine. Delaware General Assembly; Del. Code tit. 24, §§ 6001–6005; current code accessed September 28, 2026; default patient-originating site and alternative siting (§ 6001(3)); board-authorized professions and out-of-state registration (§ 6002); relationship, diagnosis and follow-up (§§ 6003–6004); exceptions (§ 6005). Accessed 2026-09-28.
  2. 83 Del. Laws, c. 52, § 4, Telehealth and Telemedicine. Delaware General Assembly; Section 4, enactment of Title 24, Chapter 60; originating site defined at the patient location in Delaware, with insurer/provider alternative siting by agreement; compare current Title 24, Chapter 60 code. 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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