A couple of minutes can save you up to 65% or more
with Delaware’s top contractors' insurance programs –
Contractors
Insurance
Delaware
Delaware
Contractors Insurance
Stop overpaying for coverage in the First State!
A couple of minutes can save you up to 65% or more with Delaware’s top contractors’ insurance programs –
Coverage for Delaware Contractors
Given the high stakes associated with everyday construction risks, our Delaware Contractors' Insurance programs protect builders of all trades against unforeseen business claims without breaking the bank –
What is Delaware Contractors’ Insurance?
Delaware contractors’ insurance provides a safety net, offering protection against the financial risks present at all stages of business operations. This peace of mind is invaluable in the unpredictable world of the building industry.
Why Do I Need It?
In the building industry, risks come in all forms and sizes. Like a common criminal, repeat offenders such as safety hazards, equipment mishaps, theft, delays, and labor shortages occur regularly. Risks can be avoided, transferred, mitigated, and accepted but never disregarded. The consequences can be the difference between a hefty profit, barely breaking even, or significant losses.
The most effective way to protect your business against unforeseen risks is to transfer it to a contractors’ insurance company. This process involves the company assuming the policyholder’s exposure in exchange for a policy premium. In simple terms, the insurance company takes on the financial risk, mitigating the potential loss caused by property damage or bodily injury claims.
Protect Against the Unpredictable
Delaware contractors, subcontractors, and specialty trades are strongly advised to take a proactive approach. Visit your city, county, or state licensing authority to verify license, certification, and insurance prerequisites before starting operations. This responsible action ensures you are fully prepared for any eventuality.
With affordable rates that fit any budget, our licensed specialists are on standby to guide you through the necessary steps to transfer construction risks to a highly-rated insurance program. Our specialists are experienced professionals who understand the unique risks of the building industry and can help you find the best insurance solution for your business.
Our Recommended Products
General Liability
General Liability
Delaware contractors’ general liability — also known as Delaware contractors’ business liability insurance — is an integral component of a formidable commercial insurance package.
A Delaware contractors’ general liability policy protects your business assets in the event of a loss due to a broad range of incidents, such as third-person injury and property damage.
Delaware contractor liability insurance provides important coverage for the following:
- Business Liability
- Liability Assumed Under a Contract
- Products & Completed Operations
- Defense Expenses
- Plus Much More
Workers' Comp
Workers' Comp
Delaware contractors’ workers’ compensation is a benefits system for workers injured or who become ill with an occupational disease while working.
Delaware contractors’ workers’ comp insurance provides benefits for:
- Medical Care
- Disability
- Death Benefits
Employers failing to comply with Delaware contractors’ workers’ comp regulations may be subject to fines and penalties.
Please visit the Delaware Department of Labor to verify specific employer rules and insurance prerequisites.
Surety Bonds
Surety Bonds
Delaware contractors’ surety bonds are similar to a business line of credit protecting the contracted consumer of a bid if obligations are not complete.
A Delaware contractor bond is a financial guarantee that the bondholder will adhere to city, county, or state laws and regulations.
Residential, commercial, and government construction projects (public works) may require a Delaware contractors’ surety bond before bidding on a project.
Commercial Auto
Commercial Auto
Delaware contractors’ commercial auto insurance covers company vehicles involved in an accident.
A Delaware contractor commercial auto policy provides coverage for business vehicles damaged from theft or vandalism.
Delaware contractors’ business auto insurance covers:
- Bodily Injury
- Property Damage
- Comprehensive Damage
- Collision Damage
- Uninsured Motorist
- Underinsured Motorist
- Hired & Non-Owned Vehicles
- Medical Payments
- And More
Inland Marine
Inland Marine
A Delaware contractors’ inland marine policy provides coverage for hand tools, equipment, and product material at a job site, in transit, or stored at an off-site location.
Delaware contractor inland marine insurance provides “installation” risk coverage.
Delaware contractors’ tool and equipment insurance will reimburse your company for such common perils:
- Theft
- Fire
- Wind
- Hail
- Water damage
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