Nationwide emerged as the top contender for Delaware’s best general liability insurance in MoneyGeek’s analysis with a score of 94 out of 100. However, NEXT, The Hartford, Thimble, and Hiscox are also great options for general liability policies.
Best General Liability Insurance in Delaware
Updated: June 20, 2025
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Key Takeaways
Due to its balance of affordable rates and strong customer service, Nationwide is the top overall general liability insurance provider for LLCs in Delaware.
The cheapest general liability insurance for sole proprietors in Delaware is offered by Thimble at $24 per month. For LLCs, NEXT is the most affordable option at $28 a month.
General liability insurance costs in Delaware depend on your industry, and we found they can range from $31 to $3,937 per month on average.
Best Cheap General Liability Insurance in Delaware
| Nationwide | 94 | $37 | $41 |
| NEXT | 90 | $27 | $28 |
| The Hartford | 90 | $34 | $58 |
| Thimble | 84 | $24 | $68 |
| Hiscox | 83 | $32 | $91 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
We selected Nationwide as Delaware's best choice for general liability coverage due to its combination of competitive costs and superior service delivery. Matching the industry's lowest claims ratio for first place according to NAIC statistics and earning 2nd place for LLC affordability, with annual premiums average $492, as well as competitive rates for sole proprietors.
NEXT: Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
NEXT is our pick for the cheapest overall general liability insurance in Delaware. At $27 monthly for sole proprietorships and $28 for limited liability companies, their rates stand out in Delaware's insurance landscape. While the insurer's claims statistics exceed regional competitors we've assessed, NEXT compensates with its efficient enrollment experience and instant insurance verification services.
How Much Is General Liability Insurance in Delaware?
An average general liability insurance policy in Delaware typically costs around $31 per month for sole proprietors and $57 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $2,873 | $119 |
| General Contractor | $3,937 | $254 |
| Software Development | $57 | $31 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Delaware
General liability insurance costs can fluctuate based on a number of different factors in Delaware. In the list below, you can see these factors and their impacts on your coverage costs:
Policy limits
Coverage limits can greatly influence insurance premiums. Opting for higher limits will lead to increased costs, while choosing lower limits generally results in more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and high payroll expenses are likely to see an increase in general liability insurance costs. This trend is evident in our analysis of LLCs and sole proprietorships.
Business location
The location of a business significantly affects insurance costs. Keep in mind that average rates can differ from city to city within a state, which is important when assessing your coverage needs.
Claims history
A past filled with numerous claims can make a business seem riskier to insurers, leading to higher premium costs.
Industry
Industries that carry higher risks, such as construction, typically encounter elevated general liability insurance expenses.
Delaware General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Delaware, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Find out your liability risk by considering your industry, products or services, customer types, business size and market impact. To evaluate coverage options better, measure the frequency and costs of common claims in your industry.
- 2
Research average costs for your business
Research average costs for your type of business to understand how good of a deal you're getting from insurance companies. Knowing average expenses will give you insight into if a company is going to save you money.
- 3
Consult similar businesses
Your business community is your greatest resource, and personal experience is often more valuable than resources online. You'll likely be able to get better recommendations for your specific needs and an understanding of what claims are common within your industry.
- 4
Compare multiple options through different means
Comparing multiple companies apples to apples ensures that you can judge which option is best for your business. Also, choosing multiple means of comparison, like online comparison sites and brokers, will give you a more comprehensive view of pricing and provide more opportunities to get advice.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Delaware?
Like in most states, general liability insurance isn't expressly required by state law and instead varies by your industry. However, if you are looking to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses typically need a standard policy with $1 million protection per occurrence and a $2 million annual limit. This generally covers most damages over a year. However, industry risks and business size might require higher coverage than standard.
WHO MAY NEED MORE COVERAGE
Certain businesses face more risks and often have costlier general liability insurance claims. These include companies in health services, construction, contracting, hospitality, and retail. If your business is in one of these areas, you might need to think about getting more insurance coverage.
Best General Liability Insurance in Delaware: Bottom Line
Overall the best general liability insurance companies in Delaware are Nationwide, NEXT, and The Hartford. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Delaware: FAQ
Below, we address frequently asked questions regarding general liability insurance in Delaware:
Which company has the best general liability insurance in Delaware?
MoneyGeek's leading choice for general liability insurance in Delaware is Nationwide, which earned an overall score of 94 out of 100. However, the ideal insurance for you depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in Delaware?
For sole proprietors, Thimble offers the most affordable coverage in Delaware at $288 per year. For LLCs, NEXT Insurance is cheapest at $336 per year.
Does Delaware require businesses to have general liability insurance?
In Delaware, while general liability insurance isn't compulsory, securing a policy is a prudent move to protect your business against financial repercussions from third-party claims.
How We Chose the Best General Liability Insurance Providers in Delaware
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.