Commercial Fleet
Commercial Auto
In addition to commercial trucks, 1st State Insurance assists with smaller commercial vehicles, creating personalized auto packages tailored to business needs.
Delaware Independent Brokerage
1ST STATE INSURANCE The FAMILY That Covers You FIRST
Specializing in premier Commercial Truck Insurance and full-spectrum protection for businesses, commercial fleets, homeowners, and individual drivers across Delaware and the surrounding region.
"Every policy is uniquely tailored to meet the goals of the client, backed by top-rated national carriers and true personal care."
Commercial Truck Specialists
Industry Top Carriers
Delaware City Local Team
Full-Service Independent Agency
Specializing in Commercial Truck, Auto & Property Coverage
Collaborating With The Nation's Top Insurance Carriers For Competitive Rates
Progressive Commercial
Travelers Insurance
Nationwide
Liberty Mutual
Berkshire Hathaway GUARD
Honesty & Transparency
Tailoring optimal solutions for business owners and families since 2021.
Welcome To 1st State Insurance Agency
1st State Insurance is a full service agency specializing in Commercial Truck Insurance.
We collaborate with the insurance industry's top carriers which allows us to offer our customers with competitive rates and coverages. Every policy is uniquely tailored to meet the goal of the client. Our products range from commercial insurance to general liability and homeowners to auto.
Our Core Agency Mission
Our mission is to provide every business owner and family with the best insurance experience. We foster a welcoming, family-oriented environment geared towards long-term relationship building and client peace of mind.
The FAMILY That Covers You FIRST !
Independent Carrier Shopping
Monoline or Package Options
Commercial Fleet Expertise
Rapid Certificates of Insurance
CORE SPECIALIZATION
Flagship Protection
Commercial Truck Insurance
Our agency specializes in your commercial truck needs:
From single owner-operators to regional freight carriers, hauling cargo requires robust coverage that satisfies federal DOT, state regulatory mandates, and shipper contracts. We partner with the industry's premier commercial transportation underwriters to protect your equipment, cargo, and livelihood.
Commercial Auto Liability
Non Truck Liability (Bobtail)
Cargo Insurance
Trailer Interchange
Physical Damage
General Liability
Workers Compensation
Commercial Umbrella / Excess
Need Fast DOT Filings or Proof of Insurance?
Call our transportation desk directly at 302-223-2552.
Comprehensive Offerings
Insurance Solutions Tailored For You
Whether securing commercial enterprise assets or protecting your household and personal vehicles, 1st State Insurance structures dependable policies matching your exact financial goals.
Business Assets
Liability & Property
Commercial General Liability & Commercial Property Insurance can be quoted as a monoline policy or combined into a unified commercial package.
Personal Auto
Personal Auto
We shop around with leading carriers to find the perfect auto insurance policy that fits your family's budget and driving profile.
Residential
Homeowners
Our agency is dedicated to guiding homeowners through the process of insuring their home, structure, and valuable possessions with complete confidence.
Fast Turnaround
Contact Us For A Free Quote Today!
Get personalized rates from the nation's premier insurance carriers. Whether you need an immediate commercial truck certificate, fleet rate review, general liability, or auto insurance, our Delaware City agents are ready to assist.
Direct Phone Inquiries
Speak directly with a licensed broker today at 302-223-2552.
Email Agency Desk
Send policy requests and COI questions to firststate01@yahoo.com.
Physical Brokerage Office
406A Fourth St, Delaware City, DE 19706. Mon-Fri 9AM-5PM.
Free Online Insurance Quote
Knowledge Base
Frequently Asked Insurance Questions
Clear answers to common questions about commercial truck insurance, general liability limits, and independent shopping in Delaware.
What is the difference between Commercial Auto Liability and Bobtail (Non-Trucking) Liability?
Commercial Auto Liability covers bodily injury and property damage when hauling goods under business dispatch. Non-Trucking Liability (commonly called Bobtail Insurance) covers your commercial rig when you are operating it without an attached trailer, off duty, or for non-business personal conveyance. 1st State Insurance structures both coverage types to ensure no coverage gaps occur.
Why should I choose an independent insurance agency like 1st State Insurance?
Unlike captive insurance agents who represent only a single carrier and must push proprietary rates, 1st State Insurance is an independent Delaware brokerage. We shop across multiple top-rated national carriers (Progressive Commercial, Travelers, Nationwide, etc.) to negotiate competitive rates, maximize coverage limits, and customize monoline or bundled packages specifically for your enterprise.
Can I combine Commercial General Liability and Commercial Property into one package?
Yes. Depending on your operational requirements, we can write Commercial General Liability and Commercial Property as standalone monoline policies or combine them into a Commercial Package Policy (CPP) or Business Owner's Policy (BOP). This simplifies billing and frequently reduces aggregate premiums.
What types of smaller commercial vehicles do you insure?
In addition to tractor-trailers and semi-trucks, we insure contractor pickup trucks, delivery cargo vans, passenger shuttles, church vans, private school buses, company passenger cars, and tow trucks.