Get A Quote For Delaware General Liability Insurance
General liability insurance (GL) in Delaware is essential for protecting your business against lawsuits and various claims that may arise from your operations. Often referred to as business liability insurance, it covers a broad spectrum of risks faced by small business owners in Delaware, such as bodily injury and property damage, personal and advertising injury, medical payments, products-completed operations, and damage to premises rented to you.
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Who needs Delaware general liability insurance?
A Delaware commercial general liability policy is a good fit for businesses that work with clients, sell products, advertise, and more. While not required by law, general liability is the most common type of business insurance because it protects from a variety of third-party claims and lawsuits.
Common professions that purchase general liability insurance include:
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Architects
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Caterer
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Engineers
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Food trucks
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Landscapers
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Painters
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Photographers
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Plumbers
In some cases, Delaware employers or clients might require you to carry a certain amount of general liability before you can work for them. Read through your contracts carefully to make sure you select the right limits when getting a general liability insurance quote.
Common questions about general liability insurance
Is Delaware general liability insurance required by law?
No, but failing to carry Delaware general liability insurance could result in you having to pay for all the expenses related to a claim against your business. For example, while visiting your office a client slips on a rug and breaks their hip. Without general liability insurance, you could be solely responsible for all the medical bills and legal fees. So, even though it’s not required by law, it should be a priority for your business.
Does Delaware general liability insurance have a deductible?
Yes. You choose the amount of your general liability deductible when you get a quote. A deductible is a fixed out-of-pocket expense you agree to pay before your coverage starts to pay.
Does Delaware general liability insurance cover theft?
General liability insurance only pays for third-party damages, not yours. You’re considered the “first party.” The “third party” is the one that has a claim against you. This means general liability won’t cover your property or equipment against theft or damage.
To protect your property, we offer business personal property coverage as a part of a business owners policy.
Is Delaware general liability insurance tax deductible?
Yes. Since general liability premiums are considered “a cost of doing business,” they usually can be written-off at tax time. That said, it’s a good idea to consult a tax professional to make sure.
Does Delaware general liability cover professional mistakes?
No. General liability only provides coverage for claims against you by others for their bodily injuries or damage to their property. To protect from claims against you for professional neglect or mistakes, you need to have professional liability insurance.
What is a Delaware certificate of insurance?
A Delaware certificate of insurance (COI) is an official document that lists all coverages and limits on an insurance policy. Essentially, it proves that you have insurance and details your policy coverages and limits.
Does Delaware general liability cover workers' comp claims?
No, general liability and workers' compensation insurance are separate coverages that do not overlap.
General liability insurance coverage includes incidents that do not involve employees, while workers' compensation covers injuries or illnesses that happen to employees. Workers' comp pays medical fees, lost wages, and other costs associated with the injury. It also protects you if an employee sues because of a workplace accident or injury.
Am I required to have both general liability and workers' comp for my small business?
Requirements for general liability and workers' comp depend on your industry, operations, and location. While general liability can be optional for some businesses, workers' compensation is usually necessary if you have employees.