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Delaware Business Insurance Policies

Delaware small businesses face a wide variety of risks every day and the potential for financial burdens from losses or lawsuits—burdens so large that they could create a financial hardship or even possibly force a business to close its doors. Fortunately, small business insurance can protect Delaware companies from those risks. biBERK is a trusted Delaware business insurance provider. We offer flexible and affordable policies that provide outstanding protection and are backed by the best team in business insurance.

Delaware Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. Imagine an employee suffering a serious injury from a power tool. Workers’ comp can pay for the cost of their care and other expenses.

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Delaware Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Let’s say you’re a bookkeeper and your failure to get a bill paid on time results in a large penalty for your client. That error can be covered. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Delaware Cyber Insurance

This type of business insurance in Delaware can be purchased as an add-on to a professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur. For example, if a hacker gets access to customer credit card information, you can be covered for costs related to the incident like notifying customers and paying for monitoring service. 

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We Cover all Kinds of Professionals and Businesses in Delaware, Including:

  • Architects and engineers
  • Auditors and accountants
  • Auto repair shops
  • Automotive retail stores
  • Beauty parlors and barber shops
  • Carpentry services
  • Carpet installers
  • Clerical office employees
  • Commercial building services
  • Computer programmers
  • Concrete construction companies
  • Consultants
  • Contractors
  • Day care centers
  • Dentists
  • Doctor's offices and osteopath's offices
  • Domestic service contractors
  • Electrical contractors
  • Fruit and vegetable markets
  • Gyms
  • Heating, cooling, and ventilation
  • Home cleaning services
  • Horse breeding farms
  • Household appliance repair
  • Insurance companies
  • Interior and exterior painters
  • IT consultants
  • Landscaping and gardening services
  • Lawyers and attorneys
  • Marketing and advertising agencies
  • Masonry services
  • Messenger services
  • Paperhanging companies
  • Personal service providers
  • Photography companies
  • Plumbers
  • Public relations agencies
  • Real estate agents and operators
  • Recreation services and amusement parks
  • Restaurants
  • Sales professionals
  • Securities and commodities businesses
  • Software developers
  • Stores
  • Travel companies
  • Trucking firms

Why biBERK for Delaware Business Insurance?

We’re the experts when it comes to small business insurance.

Save Time

Get a quote for small business insurance in Delaware entirely online or instantly speak with one of our insurance experts for help getting a quote, buying a policy, or answering any of your questions.

Save Money

We insure your small Delaware business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

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What Delaware Business Insurance is Required?

Workers' Compensation

In Delaware, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business with employees in Delaware without a workers’ comp policy.

Other Policy Considerations

It’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

What Does Delaware Business Insurance Cost?

The cost of business insurance in Delaware depends on a number of factors, including industry, number of employees, and the amount of payroll. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.

You can get instant insurance quotes on our website.


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Fill out a form online or give us a call to tell us about your company and you’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

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Trust biBERK for business insurance in Delaware and save up to 20%.