Coverage for security companies operating throughout the First State.
Delaware (DE)
Delaware Security Guard Insurance
Delaware's security guard market may be compact geographically, but the state's status as a corporate domicile capital, its chemical industry corridor, and its position between Philadelphia and Baltimore create steady demand for professional security services. The Delaware State Police Professional Licensing Section oversees private security company and guard registration. Wilmington's banking and financial services sector, the DuPont and chemical industry legacy, and Dover's state government facilities anchor a market that values reliability and compliance.
State Requirements
The Delaware State Police Professional Licensing Section regulates private security under Title 24, Chapter 13 of the Delaware Code. Security agencies must obtain a license, and individual guards must register with the state after passing a criminal background check. Armed guards require additional firearms qualification.
Delaware requires security companies to maintain general liability insurance as a condition of licensure. Workers compensation is mandatory for all employers in the state. Delaware uses a modified comparative fault system with a 51 percent bar. While Delaware's court system is generally business-friendly, particularly the Court of Chancery for corporate matters, negligent security claims are heard in Superior Court where jury verdicts have been substantial in recent years.
Security Market
Wilmington's financial services district, home to major bank card operations and corporate offices for companies incorporated in Delaware, drives demand for corporate security and office building protection. The chemical industry corridor along the Delaware River, the legacy of the DuPont company, requires industrial facility security with specialized hazardous materials awareness.
Dover's state government complex and Dover Air Force Base generate institutional and government-adjacent security demand. The Delaware beaches, particularly Rehoboth and Dewey Beach, create seasonal security needs for hospitality and entertainment venues during summer months. Delaware's outlet shopping centers, including the Tanger Outlets and Christiana Mall area, require retail security services. The Port of Wilmington's shipping and warehouse operations need facility security personnel.
Licensing & Training
Delaware requires security guards to complete a training program approved by the Delaware State Police before beginning work. The training curriculum covers legal authority, emergency procedures, report writing, and professional conduct. Armed guards must complete additional firearms training and qualify at an approved range.
Background checks are conducted through the Delaware State Bureau of Identification and include criminal history reviews. Guards must be at least 18 for unarmed positions and 21 for armed positions. Delaware requires companies to maintain records of all employee training and credentials for inspection by the licensing authority.
Recommended Coverage
- ●General liability at $1,000,000 per occurrence to meet financial services and corporate client requirements
- ●Professional liability for negligent security claims at corporate offices, chemical facilities, and retail centers
- ●Workers compensation compliant with Delaware mandatory coverage requirements
- ●Security operations liability for companies providing services at chemical and industrial facilities
- ●Commercial auto for mobile patrol operations covering the compact but heavily traveled Delaware corridor
Security Guard Insurance FAQ — Delaware
Recommended Coverage in Delaware
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