Key Takeaways

  • The Delaware Department of Insurance regulates all insurance in the state
  • The Insurance Commissioner is ELECTED by Delaware voters (one of only 11 states)
  • Commissioner serves 4-year terms elected during gubernatorial election years
  • Delaware insurance law is found in Title 18 of the Delaware Code
  • Vacancies are filled by the Governor until the next general election
Last updated: January 2026

Delaware Department of Insurance

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Delaware regulates insurance through the Delaware Department of Insurance under the leadership of an elected Insurance Commissioner.

Delaware Insurance Commissioner

The Delaware Insurance Commissioner is unique because:

  • ELECTED by Delaware voters (not appointed)
  • One of only 11 states with an elected insurance commissioner
  • Serves a 4-year term during gubernatorial election years
  • Partisan election (candidates run with party affiliation)
  • Vacancies filled by Governor until next general election

Commissioner Selection

RequirementDetails
SelectionElected by voters
Term4 years
Election TimingGubernatorial election years
Party AffiliationPartisan election
VacancyGovernor appoints until next election

Exam Tip: Remember that Delaware's Insurance Commissioner is ELECTED, not appointed. Delaware is one of only 11 states with an elected commissioner, along with California, Georgia, Kansas, Louisiana, Mississippi, Montana, North Carolina, North Dakota, Oklahoma, and Washington.

Delaware Department of Insurance Functions

The Delaware Department of Insurance is responsible for:

FunctionDescription
Insurer RegulationLicensing and monitoring insurance companies
Producer LicensingIssuing and renewing agent licenses
Rate ReviewReviewing and approving insurance rates
Consumer ProtectionHandling complaints and investigations
Market ConductExamining insurer practices
Financial OversightMonitoring insurer solvency
Captive InsuranceDelaware is a leading domicile for captives

Department Divisions

  • Producer Licensing - Agent licensing and continuing education
  • Life and Health - Life and health insurer regulation
  • Property and Casualty - P&C insurer regulation
  • Financial Surveillance - Solvency monitoring
  • Consumer Services - Consumer complaints and inquiries
  • Captive Bureau - Captive insurance regulation

Delaware Insurance Code

Delaware insurance law is contained in Title 18 of the Delaware Code:

Key Chapters

ChapterSubject
Chapter 1Insurance Department
Chapter 17Insurance Agents and Brokers
Chapter 29Life Insurance
Chapter 33Accident and Health Insurance

Contact Information

  • Address: 1351 W. North Street, Suite 101, Dover, DE 19904
  • Phone: (302) 674-7300
  • Producer Licensing: (302) 674-7390
  • Website: insurance.delaware.gov
  • Email: consumer@delaware.gov
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Delaware Insurance Regulatory Structure
Test Your Knowledge

How is the Delaware Insurance Commissioner selected?

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Test Your Knowledge

Which title of the Delaware Code contains insurance law?

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Test Your Knowledge

What happens if the Delaware Insurance Commissioner position becomes vacant?

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