Commercial Auto Insurance in Delaware

If you use a vehicle for business in Delaware, you may need commercial auto insurance to stay protected on the road. From Wilmington to New Castle and everywhere in between, GEICO offers dependable coverage for a wide range of businesses in the First State. With flexible policy options and affordable rates, GEICO makes it easy to keep your business moving forward.

What is Commercial Auto Insurance in Delaware?

Commercial auto insurance in Delaware provides coverage for vehicles used primarily for business purposes, like transporting tools, making deliveries, or traveling between job sites. While personal auto insurance covers everyday driving, it usually doesn’t apply when you’re using your vehicle for work, unless your policy specifically states otherwise. A commercial policy helps protect your business from liability claims and other risks, depending on the coverage you choose. It also includes coverage for personal use of your business vehicle. Keep in mind that anyone driving the business vehicle must be listed as a driver on your commercial auto policy for coverage to apply to them.

Who Needs Commercial Auto Insurance in Delaware?

From contractors to caterers, many professionals rely on their vehicles to keep their businesses running smoothly. GEICO offers personalized coverage designed to meet the needs of all kinds of business owners across the state. Some common professions that often benefit from commercial auto insurance in Delaware are:

  • Electricians, plumbers, and HVAC professionals who carry tools and equipment to job sites
  • Carpenters, painters, and other contractors with work trucks or vans
  • Landscapers and plow services traveling with equipment or hauling materials
  • Caterers and food vendors delivering meals or setting up events
  • Long-haul truckers moving goods across Delaware and beyond
  • Sales and real estate professionals frequently travelling between appointments and properties

Minimum Delaware Commercial Auto Insurance Requirements

Like many other states, Delaware requires businesses to have a minimum amount of liability coverage to protect themselves and others on the road.

Coverage Type Minimum Requirement in Delaware
Bodily Injury Liability $25,000 per person / $50,000 per accident
Property Damage Liability $10,000 per accident
Personal Injury Protection (PIP) $15,000 per person / $30,000 per accident
Uninsured Motorist (UM) No
Underinsured Motorist (UIM) No
Other Mandated Coverages No

Delaware-Specific Commercial Auto Coverage Requirements

Delaware requires all commercial auto insurance policies to include Personal Injury Protection (PIP) coverage. PIP helps cover medical expenses, lost wages, and other related costs for you and your passengers after an accident, no matter who was at fault. This helps make sure that drivers and their passengers get the care they need quickly, without having to wait for a liability decision.

Optional Commercial Auto Coverages & Add-Ons in Delaware

State-mandated commercial auto coverages are a great place to start, but they don’t always offer enough protection. Many Delaware business owners add optional coverages like the following for more protection:

FMCSA and USDOT Compliance for Commercial Vehicles in Delaware

Delaware requires commercial vehicles over 10,001 pounds, carrying nine or more passengers, or transporting hazardous materials, to have a US Department of Transportation (USDOT) number. Your USDOT number must be registered with the Federal Motor Carrier Safety Administration (FMCSA) and follow important safety rules. This includes regular vehicle inspections, keeping up with driver qualifications, logging hours of service, and following drug and alcohol testing regulations if required. These steps help you stay compliant and avoid costly fines or delays.

Types of Vehicles Covered in Delaware

GEICO offers commercial auto insurance for many types of business vehicles, including:

  • Business Vehicles: Company cars, SUVs, and pickups used for business errands or deliveries.
  • Contractor Vehicles: Work vans and trucks for transporting tools and equipment.
  • Delivery & Service Vehicles: Vans or trucks for deliveries, repairs, or client visits.
  • Food Trucks & Restaurant Vehicles: Covers physical damage to food trucks, catering vans, and vehicles used for food delivery, as well as any permanently attached equipment. Coverage for food-borne illnesses requires a General Liability policy.
  • Heavy Trucks: Includes tractor-trailers, dump trucks, box trucks, flatbeds, and cargo & freight.
  • Owner-Operator Trucks: Independently operated trucks or vans, including those leased to a company.
  • Non-Trucking Liability: Coverage for trucks when not hauling cargo or under dispatch.
  • Specialty Vehicles: Refrigerated trucks, buses, or other unique vehicles as needed.

Factors Affecting the Cost of Delaware Commercial Auto Insurance

The cost of commercial auto insurance in Delaware depends on factors like the type of business you run, the kind of vehicle you drive, and how it's used. Your driving history, location, number of vehicles, and employee driving records can also play a role. The size of any claim settlements does not impact cost, but at-fault accidents can. GEICO offers commercial auto insurance payment plans to help Delaware businesses get the reliable protection they need at an affordable price.

Why Choose GEICO for Delaware Commercial Auto Insurance?

With over 70 years of experience, GEICO is a trusted name in insurance for businesses across Delaware and beyond. We understand that your vehicle is essential to your day-to-day operations, which is why we offer dependable commercial auto coverage designed to keep your business moving forward. Our policies come with the support of a knowledgeable team and flexible options tailored to your industry, vehicle type, and business size.

From fast, efficient claims handling to help minimize downtime, to competitive rates that fit your budget, GEICO makes it easy to protect what drives your business. Whether you're making deliveries in Dover or heading to a job site in Wilmington, you can count on GEICO for coverage that works as hard as you do.

How to Get a Delaware Commercial Auto Insurance Quote from GEICO

Ready to protect your business vehicle in the First State? Get a fast, free Delaware commercial auto insurance quote from GEICO today, or contact us for personalized guidance you can trust.

Delaware Commercial Auto Insurance FAQs

  • Does Delaware require PIP/No-Fault insurance?

    Yes, Delaware requires that all commercial auto insurance policies include Personal Injury Protection (PIP)/No-Fault Insurance. This provides coverage for medical expenses, lost wages, and related costs for the driver and their passengers after an accident, no matter who’s at fault.

  • Are personal vehicles used for business covered under commercial auto insurance?

    It depends on your policy. If you use your personal vehicle to support your business—like running errands, hauling supplies, or visiting job sites—you can add business-use coverage to a commercial auto policy. This ensures you're protected when your vehicle is working for you, even if it’s one you also drive for personal errands.

  • Are leased or rented vehicles covered by commercial auto insurance in Delaware?

    Yes, GEICO’s commercial auto insurance can be extended to cover leased or rented vehicles used for business. You’ll just want to verify that your policy includes the right coverage to make sure you're fully protected.

  • Does my policy cover equipment or inventory stored in my business vehicles?

    Typically, commercial auto insurance focuses on damage to the vehicle and liability coverage. For tools, equipment, or inventory inside it, you’ll likely need a General Liability or Business Owner’s Policy (BOP) with personal property coverage.