Contractor Insurance
in Delaware
Delaware Construction Comes With Risks—We’ve Got You Covered
From Wilmington to Dover, Delaware contractors face strict licensing laws and liability risks that can put your business at risk if you’re not properly insured. Whether you’re a general contractor, roofer, or electrician, ACI helps you stay compliant—and covered—with affordable, trade-specific policies that meet local and state requirements.
Why Contractors in Delaware Choose ACI
Instant Quotes
No long forms, no phone tag—get covered today.
Tailored Policies
Coverage built for your trade, risk level, and business size.
State Expertise
Know you’re compliant with Delaware regulations.
Low Down Payments
Secure coverage with as little as 20% down, especially for roofing contractors.
Fast Certificates
Get proof of insurance the same day you bind.
Insurance Coverage We Offer in Delaware
Get complete protection with policies designed specifically for contractors and construction professionals:
- General Liability Insurance
Protects your business from claims of property damage, bodily injury, and third-party lawsuits.
- Workers’ Compensation Insurance
Covers medical expenses and lost wages if an employee gets injured on the job.
- Commercial Auto Insurance
Covers work trucks, vans, and vehicles used to transport tools, crews, or materials.
- Tools & Equipment Insurance
Protects your gear from theft, damage, or loss—on or off the job site.
- Builder’s Risk Insurance
Covers damage to buildings under construction due to fire, weather, theft, and more.
- Professional Liability Insurance
Helps if you’re sued for design errors, code issues, or professional oversight.
Who We Cover in Delaware
If you work in Delaware construction, we’ve got a policy built for your trade. ACI insures:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Technicians
No matter your trade, ACI has the right coverage to keep your contracting business in Delaware protected and compliant.
How Much Does Contractor Insurance Cost in Delaware?
The cost of contractor insurance in Delaware depends on your trade, coverage types, and business size. Here are the top factors that affect your premium:
Cost Factors
- Policy Type
Liability, workers’ comp, and bundled options affect pricing.
- Business Revenue
Higher revenue means higher coverage limits.
- Number of Employees
More workers = more risk = higher premium.
- Claims History
Fewer past claims often lower your rate.
- Deductible Chosen
Higher deductibles typically lower your monthly premium.
Request a custom quote to find out exactly what you’ll pay.
Delaware Contractor Insurance Requirements
General Liability Insurance
While not mandated statewide, general liability coverage is often required at the local level. For example, New Castle County contractors must carry liability limits of at least $250,000 per person and $500,000 per occurrence to register or renew a license.
Workers’ Compensation Insurance
If you have one or more employees—full-time, part-time, or seasonal—Delaware law requires you to carry workers’ compensation insurance. This also applies to out-of-state contractors performing substantial work in the state.
Commercial Auto Insurance
All business-owned vehicles used in Delaware must be insured. State minimums include $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage and personal injury protection (PIP) starting at $15,000 per person.
Requirements vary by trade and jurisdiction. Get a free consultation to ensure you're fully compliant.
Get a Free Contractor Insurance Quote
in Delaware
Skip the delays—get insured today with a fast, custom quote for your trade and location. No calls or commitments required.