Best General Liability Insurance in Delaware (2025)

After examining affordability, customer satisfaction, financial stability and the online quote process, MoneyGeek found that Nationwide is the best general liability insurance company in Delaware, with policies costing an average of $38 per month for LLCs with 20 employees and $34 per month for sole proprietors with no employees.

For those on a tight budget, MoneyGeek found Next provides the most affordable premiums, with general liability coverage costing $26 per month for LLCs with 20 employees and $25 per month for sole proprietors without employees.

Nationwide is Delaware's best general liability insurance company, with a MoneyGeek score of 89 out of 100. The table below shows our rankings of Delaware's top general liability insurance companies, including their average costs and MoneyGeek scores.

Next has the most affordable general liability insurance in Delaware, with an average monthly cost of $25 for sole proprietors and $26 for LLCs. The company earned a MoneyGeek score of 96 out of 100 based on an affordability score that considers the average monthly cost for sole proprietors and LLCs, weighted 50% each. While Next is the cheapest overall option, it might not be the most affordable for both business types.

Nationwide is rated as the best general liability insurance provider in Delaware, earning a MoneyGeek score of 95 out of 100. On average, premiums with Nationwide cost $38 per month for LLCs with 20 employees. Businesses with fewer than 20 employees might pay lower premiums, while those with more than 20 employees could pay more.

Thimble emerged as the best general liability insurance company for sole proprietors out of the insurers we analyzed, earning a MoneyGeek score of 95 out of 100. On average, Thimble's policy costs $22 per month. This rate is based on a one-person business with no employees. Businesses in high-risk industries like construction might be charged higher premiums than those in low-risk industries.

Although general liability insurance is not legally required in Delaware, business owners should still consider purchasing it to protect their company from financial losses due to lawsuits and other liabilities. General liability insurance protects business owners from claims such as property damage, bodily injury and personal injury to a third party. It can also cover court costs, legal fees and settlements.

In terms of other business insurance, companies with at least one employee in Delaware must obtain workers’ compensation insurance. This insurance covers medical expenses, lost wages and disability payments for employees who are injured or become ill due to work-related activities.

Commercial auto insurance with the following limits is required in Delaware for any business that operates a vehicle used for business purposes.

• $25,000 per person
• $50,000 per accident for bodily injury
• $10,000 for property damage

In Delaware, the average monthly cost of general liability insurance for sole proprietors is $28 and for LLCs, it is $53. This policy provides a $2 million aggregate limit, a $1 million limit per incident and a $0 deductible.

The aggregate limit is the maximum amount the insurer will pay out for all claims in one policy period, while the occurrence limit is the most an insurer will pay out for a single claim. The deductible is the amount the business owner will pay out of pocket before the insurer will cover any claims.

The price of general liability insurance can differ between businesses depending on several key considerations, including:

When it comes to purchasing general liability insurance in Delaware, the best insurer and coverage for you will depend on the type of business you run, your location and any other factors that are exclusive to you. We answered the most commonly asked questions about general liability insurance to help you make an informed decision.