While it isn't the most affordable carrier in my analysis, ERGO NEXT is my pick for Delaware’s best small business insurer. It's average monthly rate is around $107, while The Hartford and Simply Business both cost about $96. ERGO NEXT lets you manage coverage and pull proof of insurance 24/7, while Simply Business gives you quotes from multiple insurers. The best provider for you depends on your priority, whether that's low cost, self-service convenience or extensive coverage options.
Best Small Business Insurance in Delaware
ERGO NEXT, The Hartford and Simply Business topped my 2026 analysis of the best business insurance providers in Delaware.
Factors like the support you get post-purchase, your budget, the work you do and the risks it brings, and whether you have employees determine which carrier fits your business best.
MoneyGeek can help you get Delaware business insurance quotes from your top insurer match with the tool below.
Select state
Updated: September 5, 2026
Advertising & Editorial Disclosure
Best Small Business Insurance Companies in Delaware
| ERGO NEXT | 4.65 | $107 | 1 | 2 |
| The Hartford | 4.61 | $96 | 2 | 3 |
| Simply Business | 4.50 | $96 | 5 | 1 |
| Nationwide | 4.48 | $109 | 2 | 4 |
| Coverdash | 4.42 | $109 | 6 | 2 |
| biBERK | 4.40 | $112 | 2 | 5 |
| Progressive Commercial | 4.33 | $107 | 7 | 5 |
| Thimble | 4.33 | $101 | 8 | 5 |
| Hiscox | 4.29 | $116 | 4 | 6 |
| Chubb | 4.28 | $127 | 3 | 4 |
Note: Use these numbers to get a sense of what coverage may cost, not as a preview of your exact premium. MoneyGeek's analysis of small businesses looks at two-employee companies across 79 major industries. Your own quote will reflect the details of your business and the way each insurer evaluates risk, so your final rate may be higher or lower.
ERGO NEXT
Best Delaware Business Insurance
MoneyGeek Rating
4.7/ 5
4.5/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Cost of General Liability Insurance
$111This rate is for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Average Monthly Cost of Workers' Comp Insurance
$74This rate is for small businesses with two employees across 79 major industries or business types and focus solely on workers' comp policies.Our Survey: Digital Experience
4.8/5 (1st)Our Survey: Likely to Be Recommended to Others
4.8/5 (1st)
The Hartford
Cheapest Delaware Business Insurance
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly Cost of General Liability Insurance
$97This rate is for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Average Monthly Cost of Workers' Comp Insurance
$76This rate is for small businesses with two employees across 79 major industries or business types and focus solely on workers' comp policies.Our Survey: Claims Process
4.5/5 (1st)Our Survey: Agent Service
4.7/5 (1st)
Simply Business
Best Commercial Coverage Options in Delaware
MoneyGeek Rating
4.5/ 5
4.5/5Affordability
4.2/5Customer Experience
4.9/5Coverage Points
Average Monthly Cost of General Liability Insurance
$91This rate is for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Average Monthly Cost of Workers' Comp Insurance
$77This rate is for small businesses with two employees across 79 major industries or business types and focus solely on workers' comp policies.Our Research: Digital Experience
4.5/5Our Survey: Provider Service
4.0/5
How to Get the Best Cheap Business Insurance in Delaware
Getting business insurance for your Delaware business requires balancing year-round premiums with seasonal revenue, understanding strict reporting deadlines, and identifying exposures that most insurers overlook. Follow these steps to secure appropriate coverage without overpaying for financial protection you don't need.
- 1
Assess what coverage your Delaware business actually needs
If customers visit your location, think about how much foot traffic you handle, especially if you draw shoppers from nearby states. Seasonal businesses should also look at when they earn most of their revenue, not just annual averages. If you work near older industrial sites, check whether pollution liability belongs in the conversation.
Read More: How Much Business Insurance Do I Need?
- 2
Get quotes from affordable providers with strong customer ratings
When comparing business insurance quotes, keep the limits and deductibles identical so you’ll see the true price difference. I’d also ask about Delaware’s Workplace Safety Program when you request workers’ comp quotes. If standard insurers turn you down, Delaware’s assigned risk plan can give you another route to coverage.
- 3
Check insurer reliability before committing to save a few dollars
Don’t wait until a claim happens to find out how responsive an insurer is. Ask how it handles Delaware’s 10-day injury reporting deadline and whether you can report claims outside normal business hours. If you operate weekends or evenings, 24/7 claims reporting can help you avoid missing a deadline when someone gets hurt.
- 4
Cut insurance costs without reducing your protection
You can lower business insurance costs without trimming the coverage you actually need.
- Compare bundled and stand-alone pricing: Ask for separate general liability and commercial property quotes, then compare them with a business owner’s policy (BOP) to see whether the bundle really saves 10% to 15%.
- Use Delaware’s Workplace Safety Program: Documented safety improvements can help lower workers’ comp premiums.
- Raise your deductible only when you can absorb it: A higher deductible can reduce property premiums, but choose an amount you could comfortably pay after a loss.
- 5
Secure coverage that meets client contract requirements
Check contracts before you finalize your limits. Some clients may require $2 million in general liability before a project starts. They could also ask for a certificate of insurance (COI) as proof of coverage or an additional insured endorsement. The endorsement gives them certain protections under your policy. I’d confirm those requirements before signing anything.
- 6
Update your policy when business operations change
Delaware’s workers’ comp rules can change your insurance needs as soon as you hire your first employee, so don’t wait for renewal. New contracts can also force a limit increase before work begins. Review your coverage when those changes happen, and make sure whoever handles workplace injuries knows the state’s 10-day reporting deadline.
Best Business Liability Insurance in Delaware: Bottom Line
ERGO NEXT, The Hartford and Simply Business lead Delaware's small business insurance market for customer service, affordability and coverage breadth. Select coverage matching your actual risks, compare quotes from multiple insurers and leverage the Delaware Workplace Safety Program discounts to reduce workers' compensation premiums without sacrificing protection quality.
LOOKING FOR THE BEST INSURANCE FOR A SPECIFIC COVERAGE TYPE?
The insurers that provide the best business insurance can also vary depending on they coverage you need. I've prepared some resources that show which ones we recommend.
Business Insurance in Delaware: FAQ
Small business owners in Delaware face many questions when choosing business insurance. We answer the most common concerns below:
Your first hire changes the answer quickly since Delaware workers’ comp requirements apply once you have one employee, even if they’re part-time or seasonal staff. If you use vehicles for work, make sure they meet Delaware’s commercial auto requirements too. Then check contracts and leases for any general liability requirements before adding optional coverage.
Business insurance in Delaware costs $59 to $133 monthly, depending on coverage types. Industry and risk factors drive these price differences. Here are average rates for the most common business insurance types in Delaware:
- General liability: $131 per month or $1,567 per year
- Workers' comp: $128 per month per employee or $1,537 per year per employee
- Commercial auto: $133 per month per vehicle or $1,594 per year per vehicle
- Commercial property: $131 per month or $1,575 per year
- Professional liability: $59 per month or $703 per year
- Cyber insurance: $92 per month or $1,109 per year
I’d keep your first package focused on the risks you already have. You’ll typically start with general liability, especially if customers visit you or you work on client property. If you provide a service to give advice, professional liability covers risks that GL doesn’t. Once you hire, workers’ comp stops being optional in Delaware, so build that into your package before the employee starts.
You still have a path forward for workers’ comp. If you can’t get coverage through the regular market, Delaware directs employers to the assigned risk, or residual, market through the Delaware Compensation Rating Bureau. I’d keep records of the insurers that declined you, then contact the bureau so you can get the required coverage in place.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work have been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes content for real pet owners.
Questions about MoneyGeek's business or pet insurance content? Reach him at connor@moneygeek.com or on LinkedIn.