The principal function of the Delaware Department of Insurance, Consumer Services Division, is to help Delaware consumers who have insurance by regulating the actions of insurance companies and producers (also known as agents) for fully insured policies written in Delaware.
As a regulatory agency we cannot recommend an insurance company or producer. In an effort to assist, the Department has compiled lists of insurance companies licensed to sell different insurance products in Delaware. It is suggested that you obtain quotes from several licensed insurance companies, as premiums will vary. You may want to contact a licensed insurance producer and/or agency to assist you in shopping the market. You can also contact the Delaware Department of Insurance at any time to confirm if the producer/agency you are working with is properly licensed and/or if the policy is what you were looking for before you provide any financial information to another party.
If you are unable to obtain or have been declined insurance through the voluntary automobile insurance market, please contact an insurance producer (aka agent) to apply for a private passenger or commercial automobile insurance policy through the Delaware Automobile Insurance Plan (DAIP). The Plan was created to provide insurance coverage for those people who cannot obtain insurance through the voluntary market. For more information view the consumer page of the DAIP.
If you are unable to obtain or have been declined homeowners or commercial property insurance you may want to contact the Insurance Placement Facility of Delaware (aka Delaware FAIR Plan) at (800) 462-4972 or http://www.defairplan.com. See the following link for description of the FAIR Plan. Another option is for an insurance producer (aka agent) to place your risk through the non-standard market known as Surplus Lines insurance. See link for more information.