Protecting Your Small Business in Delaware with the Right Coverage

livingoodscott
5 days ago
2 min read

Running a small business in Delaware comes with a lot of responsibility—and risk. From unexpected property damage to liability claims, one incident could disrupt everything you’ve worked so hard to build. That’s where small business insurance comes in.

Why Small Business Insurance Matters

Whether you own a retail shop in Milford, a restaurant in Dover, or a contracting business on the Eastern Shore, the right coverage provides financial protection and peace of mind. Without it, one accident could mean major losses that many small businesses can’t recover from.

Key Coverages Every Business Owner Should Consider

General Liability Insurance – Protects your business if a customer slips, falls, or files a claim against you.
Commercial Property Insurance – Covers your building, equipment, and inventory in case of fire, theft, or storm damage.
Workers’ Compensation – Required in Delaware if you have employees, it helps cover medical costs and lost wages for work-related injuries.
Commercial Auto Insurance – Essential if your business relies on vehicles for deliveries, service calls, or transporting goods.
Cyber Liability Insurance – More important than ever as small businesses face growing risks of data breaches and cyberattacks.

Local Risks to Keep in Mind

Delaware businesses face unique risks—from hurricanes and flooding along the coast to heavy snow and ice storms in winter. Having the right coverage tailored to our region can make all the difference when disaster strikes.

Why Choose an Independent Agent?

At Downes Insurance, we’re an independent agency. That means one call gives you access to quotes from 17 top companies, including Progressive, Nationwide, Liberty Mutual, and more. We’ll help you compare coverage and pricing to find the right fit for your business—without the hassle of calling around yourself.

Get Started Today

Protecting your small business is one of the smartest investments you can make. Call 302-422-8863 or visit us at 1047 North Walnut St, Milford, DE 19963 to get a free small business insurance quote today.