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