Restaurant Insurance in Delaware: 2026 Cost Guide

How Much Does Restaurant Insurance Cost in Delaware?

Restaurant insurance in Delaware averages $156 per month for general liability coverage alone. A comprehensive insurance package — including general liability, commercial property, and workers' compensation — typically runs between $2,162–$3,633 per year for a typical full-service restaurant.

Here's what you can expect to pay for individual coverage types in Delaware:

These figures are based on a typical full-service restaurant with 10-20 employees and $500,000–$1,500,000 in annual revenue. Your actual costs will depend on your specific location within Delaware, claims history, employee count, and coverage limits.

Delaware-Specific Insurance Requirements

Delaware uses a unique workers' comp classification code (0975) for all restaurants instead of the standard NCCI codes. The state's beach communities are major tourist destinations with seasonal restaurant operations, which creates unique insurance considerations for seasonal businesses. Flood insurance is critical for coastal restaurant locations.

Required Coverages in Delaware

• General Liability
• Workers' Compensation (all employees)

Recommended Additional Coverages

• Commercial Property
• Liquor Liability
• Business Interruption
• Umbrella/Excess Liability

Delaware Risk Factors That Affect Insurance Costs

Delaware's coastal location creates hurricane and flooding risks, particularly for restaurants in beach communities like Rehoboth and Dewey Beach.

The state's business-friendly incorporation laws attract many companies but also create a complex legal environment with the Court of Chancery.

Delaware's compact size means most restaurants are within short driving distance of major population centers in Philadelphia and Baltimore, increasing foot traffic but also liability exposure.

Best Restaurant Insurance Companies in Delaware

We've identified the top insurance providers serving Delaware restaurants. Simply Business is our top pick for most Delaware restaurants based on coverage options, pricing, and customer satisfaction.

Workers' Compensation Rules in Delaware

Delaware requires workers' comp for all employers. The state uses class code 0975 for all restaurants, including those with bars, rather than the standard NCCI 9082.