Wilmington has 71,727 residents in 31,655 households. We list 14 agencies for business owners policy (bop) insurance in Wilmington. Here is what the local numbers say about the cover people here need.

Wilmington at a glance

14business owners policy (bop) insurance agencies listed
52%of households rentRenters insurance
$231,400median home valueHome insurance
1946median year homes were builtRebuild cost calculator
22.5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in New Castle County

FEMA rates the overall natural hazard risk in New Castle County, where most Wilmington agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Ice stormRelatively High
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Wilmington
Coastal floodingRelatively High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Delaware

Delaware requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires personal injury protection ($15,000 per person, $30,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Wilmington How much liability cover do you need?

Source: delcode.delaware.gov. Checked 2026-10-24.

Insurance companies Wilmington agencies work with

Of the 14 Wilmington agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Liberty Mutual8 agencies
Travelers6 agencies
Chubb (ACE)5 agencies
Nationwide5 agencies
Principal5 agencies
The Hartford5 agencies
Chubb4 agencies
Corebridge (AIG Life)4 agencies
Great American4 agencies
Liberty Mutual (Safeco)4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Wilmington agencies are

Wilmington agencies we list sit in 7 ZIP codes, mostly in New Castle County.

198016 agencies
198082 agencies
198092 agencies
198031 agency
198071 agency
198101 agency
198991 agency

Questions

Business Owners Policy (BOP) insurance in Wilmington

All insurance agencies in Wilmington · Business Owners Policy (BOP) insurance across Delaware

Where can I find business owners policy (bop) insurance in Wilmington?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does business owners policy (bop) insurance cover?

Bundles property, liability and business interruption for smaller firms.

Which insurance companies do Wilmington agencies work with?

Among the 14 Wilmington agencies whose appointments we hold, the companies they are most often appointed with are Liberty Mutual (8), Travelers (6), Chubb (ACE) (5), Nationwide (5), Principal (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Wilmington?

FEMA's National Risk Index rates inland flooding risk in New Castle County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

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