Click here to see, More in This Category

DELAWARE BUSINESS INSURANCE

Selective and your independent agent can help protect your business in Delaware with a commercial insurance policy tailored to your unique needs.

Delaware boasts a strong labor force and a diverse market home to businesses in industries like manufacturing, real estate, and various professional services.

If you own or manage a business in Delaware, Selective and our independent agency partners can help you protect your operations with a customized commercial insurance policy.

Find a local Delaware insurance agent today to explore your coverage options and to get a quote.

Find an Agent

BUSINESSES WE INSURE IN DELAWARE

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve Delaware businesses of almost any size, including, but not limited to:

• Contractors – general contractors (residential and commercial), electrical, building services, land grading, heavy construction, siding and sheet metal, painting and paper hanging

• Manufacturers and Wholesalers – electronics and electrical equipment, fabricated metals, industrial machinery, technology, furniture and fixtures

• Professional Offices – law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms

• Mercantile Services – retail food & fine dining, retail goods, public golf courses

• Auto Services – including repair shops, body shops, and dealers

• Consumer Assistance Programs – social services, senior living, religious organizations, municipalities, volunteer fire departments

Don't see your profession or want more information? Find a local independent agent in Delaware for answers and a business insurance quote.

DELAWARE BUSINESS INSURANCE FROM SELECTIVE

While no one knows your business like you do, Selective and your independent agent can help you mitigate your unique risks with a personalized commercial insurance solution built around three essential coverages:

Business Interruption

Business interruption insurance can help protect your company against lost income if a covered loss forces you to suspend business operations. This type of insurance may also help you manage rent or lease payments, relocation costs, employee wages, taxes, and loan payments until your business can reopen.

Business interruption insurance does not usually cover damages or losses from flooding, earthquakes, mudslides, and other natural disasters. You may, however, be able to purchase additional coverage to help protect against these risks in Delaware.

Business liability insurance in Delaware can help protect your company from covered liability claims, including allegations of third-party property damage, bodily injury, false arrest, reputational damage, and more. In addition to providing financial protection, commercial general liability insurance may help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Commercial property insurance can help protect your physical assets, including furniture, inventory, and business equipment. It may also pay for repair or replacement costs in the event of losses due to fires, vandalism, or other covered risks that may cause structural damage to your insured building or its contents.

Ensuring the safety and security of your assets is crucial for any company, as is keeping your business running after a loss, so talk to your independent agent about Delaware business insurance from Selective.

“Selective really makes it easy for me to focus on the day-to-day running of our practice instead of insurance!”

Commercial Customer

Additional Coverages for Delaware Businesses

Selective offers optional insurance coverages and enhancements to help you and your agent build a targeted insurance solution that meets your needs. Optional coverages for Delaware businesses include:

Workers Compensation – can help pay for medical treatment, lost wages, rehabilitation, and disability benefits if an employee has a work-related injury or illness. It can also help protect you as a business owner by helping pay for legal costs if an injured worker sues your business because of certain employment-related bodily injury.
Commercial Flood Insurance – in Delaware helps protect your physical buildings or structures and their contents, including furniture, equipment, and inventory, from flood-related losses, including damage to the foundation, walls, HVAC, wiring, and more.
Product Recall Coverage – can help your business navigate product recalls, reduce losses, and pay for covered expenses such as hiring temporary employees or product disposal.
Management Liability Insurance – is a suite of coverages that can help protect your Delaware business from financial losses not typically covered under standard commercial general liability policies. MLI coverages include Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability (FLI).
Commercial Auto Insurance – in Delaware can help protect your company vehicles and drivers on and off the road. It may also help pay for medical bills if you, your employees, or passengers are injured in an accident in which your company is liable.

Cyber Liability Insurance for Delaware Businesses

Cyberattacks can take many forms. Whether you’ve heard of them as ransomware, cyber extortion, social engineering, data breach, or security breach, cybercrime is a growing threat that all businesses must prepare for.

Click here to Explore Cyber Liability Insurance about Cyber Liability Insurance for Delaware Businesses

Get Broad and Convenient Coverage in Delaware from a Business Owners Policy

A Business Owners Policy (BOP) bundles property, liability, and business income insurance into a single, budget-friendly package. This convenient insurance solution from Selective offers broad coverage that can help protect your business against losses related to property damage, lawsuits, or other incidents.

Instead of purchasing separate policies for property, liability, and business income insurance, a BOP bundles these coverages into a single, budget-friendly policy.

Your independent Delaware insurance agent can help you decide if a Business Owners Policy meets your needs.

FIND AN INDEPENDENT INSURANCE AGENT IN DELAWARE

Click here to search agent

Include Selective Flood Agents

FREQUENTLY ASKED QUESTIONS ABOUT DELAWARE BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in Delaware?

Commercial insurance costs in Delaware vary from business to business. Factors that can affect your cost include (but are not limited to) location, payroll, number of employees, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy that adequately protects your needs.

Is Workers Compensation Insurance Mandatory for Employers in Delaware?

Delaware businesses must carry worker’s compensation insurance if they employ one or more full-time, part-time, seasonal, or occasional workers. Without workers' compensation insurance, you could be held liable for all benefits provided under Delaware law if an employee is injured or becomes ill on your premises. A worker’s compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.