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Get A Quote For Delaware General Liability Insurance

Affordable, Local Protection for Small Businesses Across Delaware

Running a business in Delaware? One accident, injury, or lawsuit could put everything at risk. At Downes Insurance Associates, we provide general liability insurance tailored for local businesses — whether you're a contractor, retail owner, consultant, or landlord.

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To get started, please fill out the form below as completely as possible. Once you have completed the, click the Submit button to send your information, and rest assured that your request will be handled promptly

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What Is General Liability Insurance?

General liability (GL) coverage protects your business against common lawsuits and accidents, including:

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  • Bodily injury: A customer slips and falls at your store

  • Property damage: You accidentally damage a client’s property while working

  • Personal & advertising injury: Claims of slander, libel, or false advertising

  • Legal defense & settlements: Covers attorney fees, court costs, and judgments

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This is often the first and most important policy every business should have.

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Who Needs General Liability Insurance in Delaware?

Most Delaware businesses — regardless of size — need some level of GL coverage. You may need a policy if you:

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  • Own or lease office, retail, or warehouse space

  • Visit client sites or homes (e.g. contractors, cleaners, handymen)

  • Sell physical products or provide professional services

  • Work with vendors, subcontractors, or employees

  • Are required to show proof of insurance for a lease or job contract

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Many landlords, vendors, and state contracts require a Certificate of Insurance (COI) before you can do business.

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What Does a Delaware GL Policy Include?

  • Coverage limits typically range from $1 million / $2 million aggregate

  • Optional endorsements available for tools, equipment, hired/non-owned auto

  • Combine with property coverage in a Business Owner’s Policy (BOP) for savings

  • Available for sole proprietors, LLCs, corporations, and partnerships

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We also help with contractor liability, event liability, and excess liability options.

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Why Work With Downes Insurance?

We’re a local, independent agency with over 30 years of experience helping Delaware businesses stay protected:

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  • Access to top commercial carriers like Liberty Mutual, Travelers, Hartford

  • Fast COI turnaround for contractors and real estate professionals

  • Personalized guidance for new and growing businesses

  • Bundle with property, auto, workers comp, or umbrella for extra savings

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“Downes Insurance helped me get the liability coverage I needed for my landscaping business — and walked me through every step.” — Business Owner, Middletown DE

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📞 Get a Free General Liability Insurance Quote

Let us protect your business from the unexpected.

👉 Call (302) 422-8863
👉 Same-day certificates often available!

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We Serve Businesses Across Delaware

Wilmington • Newark • Dover • Middletown • Smyrna • Milford • Georgetown • Rehoboth Beach • Seaford • Lewes • Dewey Beach • Harrington • Houston • Frederica • Greenwood • Slaughter Beach • Felton • Magnolia

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