Workers' Comp Insurance

Workers’ Compensation Insurance in Delaware, Maryland & Pennsylvania

If you have employees — even just one — workers' compensation insurance is not optional. It’s a legal requirement that protects your business and your team when work-related injuries or illnesses occur.

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At Downes Insurance, we help business owners across Delaware, Maryland, and Pennsylvania secure affordable, compliant workers’ comp coverage tailored to their industry and payroll size.

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What Does Workers' Comp Insurance Cover?

Workers’ comp helps pay for:

• Medical expenses related to work injuries

• Lost wages during time away from work

• Rehabilitation or physical therapy

• Legal costs if you're sued by an employee

• Death benefits for surviving family members

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It protects both your employees and your business from unexpected financial strain.

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Industries We Serve

We provide workers’ compensation policies for:

• Construction & Contractors

• Restaurants & Hospitality

• Landscaping & Lawn Care

• Auto Repair Shops

• Retail & Wholesale Businesses

• Offices & Professional Services

• Nonprofits, Churches & Small Organizations

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Whether you're a growing startup or a long-standing local business, we’ll help you stay compliant and protected.

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Serving Employers Across DE, MD & PA

Downes Insurance is based in Milford, Delaware, and serves businesses in:

• Delaware – Wilmington, Dover, Georgetown, Seaford, Newark

• Maryland – Kent Island, Easton, Salisbury, Baltimore suburbs

• Pennsylvania – Lancaster, West Chester, Oxford, Philadelphia suburbs

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We work with multiple top-rated carriers to get you the most competitive rates and help you reduce risks over time.

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Why Work with Downes Insurance?

• Independent agency — We shop around, so you don’t have to

• Local experts — Personalized support from people who know your business climate

• Fast COI turnarounds — Get certificates of insurance (COIs) same day

• Audit support — We’ll help you navigate workers' comp audits and renewals

• Multi-policy discounts — Save when bundling with general liability or commercial auto

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Get a Free Workers’ Compensation Quote

Don’t leave your business exposed to lawsuits or penalties.
Call 302-422-8863 or click below for a free, no-obligation quote from a licensed business insurance advisor.

Request a Free Quote