Delaware Independent Agents

All Your Delaware Insurance Needs Met in One Place

Get help from one of our Delaware independent agents

They understand your risks and will find you the coverage you need.

Most Popular Coverages in Delaware

Home Insurance

The coverage you need to protect your home and everything in it.

Auto Insurance

The right protection for you, your car and others on the road.

Business Insurance

Broad protection that covers you, your employees, and customers.

Workers' Compensation

Valuable employee coverage for work-related injuries and illnesses.

A home insurance policy is designed to cover against many of the hazards property owners in Delaware are likely to face. Whether property has been lost or damaged due to a severe storm, a house fire, or a rash of burglaries, having a suitable homeowners insurance policy in Delaware can bring the peace of mind that comes from knowing that the policy can absorb financial losses. These policies typically include dwelling insurance, contents insurance, liability and loss of use insurance.

Accidents can happen in the blink of an eye. If a driver is at fault, they can be held liable for the cost to repair other people’s damaged property as well as for the treatment of their injuries. Given the high cost of healthcare, an accident that involves injuries can be extremely expensive and could cause a great deal of financial harm.

Car insurance in Delaware includes a mixture of mandatory and optional coverage. If a policyholder is involved in a collision, or a non-collision incident such as car theft, car insurance provides collision and comprehensive insurance, liability, personal injury protection, bodily injury liability insurance, and uninsured motorist coverage.

Business insurance in Delaware will pay for damage to a building - this is called commercial property insurance. Business insurance will also pay for damage to business property - this is referred to as business personal property insurance. General liability covers damage to someone else's property as well as any medical bills. Delaware businesses can also be covered with commercial vehicle and worker's compensation insurance, which protect work vehicles and employees.

Worker's compensation insurance in Delaware pays for all necessary medical treatment and hospitalization services related to a work-related injuries or illnesses. In addition,  worker's compensation provides the following benefits for injured workers: temporary total disability benefits, temporary partial disability benefits, permanent impairment benefits and disfigurement benefits.

A restaurant insurance policy typically includes the following: general liability, worker's comp, property insurance, business income, ordinance and law, boiler and machinery, spoilage, and communicable disease coverage. No two Delaware restaurants are exactly the same, which means that what one owner needs for their restaurant will never be the same as any other owner. However, an underwriter will consider all aspects of a restaurant when writing a policy. More importantly, an agent will look at all these factors to provide a range of coverage options from different providers.

Commercial auto insurance is an insurance policy that covers every vehicle used for business purposes - even if it doubles as a personal vehicle. If a vehicle is ever used for a Delaware business, it must be covered with commercial auto insurance. Personal auto insurance will not cover an accident that occurs while the vehicle is running a business-related errand.

When you think of a coastal vacation, Delaware may not be the first place to pop into your mind, but it has more than 350 miles of shoreline to play on. That also means it has 350 miles of potential weather risks for hotels located near the ocean. But even if a hotel is inland, there are still some common insurance claims to be aware of:  windstorm damage, flood, liability, data breaches, and business interruption.

Umbrella insurance in Delaware works to extend and expand the existing liability coverage from homeowners and auto insurance policies to protect the policyholder, their home, and their future earnings and assets if someone sues them. This extra insurance raises coverage limits and covers the types of claims that homeowners liability cannot cover such as false arrest, certain types of dog bites, libel, and slander.

If a tenant rents a home in Delaware, having insurance protection for themselves and their possessions is still important. Similar to home insurance, renters insurance protects them in situations that anyone might face: fire, theft, water damage, and other unforeseen circumstances not covered by the property owner's landlord policy.

Most Delaware insurance companies offer life insurance that falls into one of two categories: term life or whole  life (permanent). The differences between the two are significant, and the type chosen depends on a number of factors, including a family's needs and financial goals

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