Small business insurance in Delaware with Huckleberry Insurance

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Small business insurance in Delaware with Huckleberry Insurance

Small business insurance in Delaware

The small business scene in Delaware is booming. One out of every 12 Delawareans is a small business owner, and nearly 85,000 small businesses call Delaware home. And those small businesses employ a lot of people: Nearly 187,221 workers—almost half of Delaware’s entire workforce. 

Clearly, entrepreneurship is a big deal in Delaware. If you own a small business in the First State, you need the best small business insurance to keep yourself protected so you can continue to propel the state’s economy.

Luckily, Huckleberry can get your business insured in less than 5 minutes. Huckleberry’s whole process is entirely online and 100% easy. And you could even save up to 32% on the business coverages you need.

Get a business insurance quote in 5 minutes.

The most common types of small business insurance in Delaware

Small business insurance in Delaware with Huckleberry Insurance

Workers’ compensation insurance pays for medical bills, lost wages, disability benefits, and associated healthcare expenses if an employee gets injured or sick because of their job. This coverage is mandatory for most Delaware employers, according to the business insurance requirements from Delaware’s Department of Labor. (Yes, it’s required even if your workers are all part-time!)

Small business insurance in Delaware with Huckleberry Insurance

A popular bundle of coverages that most business owners need: general liability coverage, business interruption insurance, and business property coverage.

Business liability insurance pays for legal fees if you’re ever sued.

Commercial property insurance protects your building as well as the items inside.

Helps to cover the costs of a temporary business closure (as long as it’s for a covered reason).

Small business insurance in Delaware with Huckleberry Insurance

Small business insurance costs for Delaware business owners

Delaware business insurance can be pretty affordable. Business owners in Delaware have gotten great rates through Huckleberry—as little as $38 per month for a workers’ compensation insurance policy, $40 per month for commercial general liability insurance, and $21 per month for a Business Owner’s Policy.

Those numbers aren’t necessarily what you will pay, though, because your rate depends on your specific insurance needs as well as a bunch of factors that are unique to you. Your payroll size, location, safety record, and industry all impact the price you’ll pay for various business insurance coverages. A small family-style diner with a perfect safety record in Wilmington may pay a different rate for workers’ compensation than a construction contractor in Dover would. (And both will likely pay a higher rate than a DJ in Newark!)

The best way to figure out what you’ll pay? Get a 5-minute free quote. (Completely free and no-obligation. And it really does take less than a minute!)

Coverage options you can add to your Delaware business policy

Employment Practices Liability

Pays your legal and settlement costs if you’re accused of illegal employment activity, such as discrimination, sabotage, or harassment.

Hired and Non-Owned Auto

Protects your company if someone with your business causes bodily injury, personal injury, or property damage with a vehicle your company doesn’t own (like a rental van or employee car).

Professional Liability

If you get sued for causing harm to a client, this coverage will help protect you and your company. It’s also known as Errors & Omissions Insurance.

Liquor Liability

Protects your business if someone associated with you serves too much alcohol to a customer who then causes damage to a third party.

Spoilage

If some or all of your perishable inventory gets spoiled for a covered reason, this policy can help you recover your financial losses.

Equipment Breakdown

If your business equipment breaks, this coverage can help repair or replace it.

Restaurant Endorsement

A handy bundle of coverages specially designed for the risks that restaurants face.

Employee Dishonesty

Helps you recover from a financial hit due to employee theft.

The most common industries getting small business insurance in Delaware:

Small business insurance in Delaware with Huckleberry Insurance

4 reasons why business owners in Delaware love Huckleberry

  1. It’s fast. Get the coverage you need in minutes.
  2. It’s affordable. Save up to 32% on business insurance.
  3. Everything is hassle-free.
  4. It’s simple. We explain everything in simple terms.

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