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About: Commercial Insurance Associates

Commercial Insurance Associates, Inc. is a full service, independent agency that handles business insurance, surety bonding, and personal home & auto insurance. We are a family owned, local business with access to insurance markets in DE, MD, PA, NJ, VA, NC, FL, TX, & CA. Business Insurance: General liability, business auto, commercial property, worker’s compensation, professional liability, umbrella, trucking/cargo, and many more lines of coverage. Surety Bonding: Performance bonds, bid bonds, contract bonds, license & permit bonds. Personal Insurance: Auto, homeowners, landlord, renters, flood, boat, motorcycle, umbrella, wedding & special event, etc.

Recent Posts by Commercial Insurance Associates

6 Tips for Boat-Owners

Delaware is a great place to own a boat. The C&D Canal, the Chesapeake Bay, the Indian River Inlet near Rehoboth Beach, and the Assawoman Bay in Ocean City, MD are all conveniently located boating areas. Go to any of those places on a sunny summer weekend, and you’ll find boating enthusiasts of all types. While riding the waves is definitely a popular summer past time in Delaware, there is more to it than simply placing a cover on your boat during the off-season! 

Do you have a boat or are you thinking about purchasing one? Here are six tips for Delaware boat-owners to follow:


Just like cars and other land vehicles, boats need proper upkeep and maintenance too. To save money on fuel, check for damage or debris by removing your boat’s propellers periodically. Items can become wedged in the propellers and slow you down while using more gas. You’ll also need to clean your boat after each use. Algae and aquatic critters can dry on the sides and damage the paint. You may want to think about investing in a pressure washer, or calling a professional power washing service if you don’t have time to do the cleaning yourself.

Don’t Drink and Boat

While drinking and boating is a common summer-time activity, those doing so should be aware of Delaware’s Boating Under The Influence law. Just like driving a car, the person operating the boat is expected to have a BAC of .08 or less. First time offenders can pay up to $1,000 in fines or face up to six months in jail.

Always Wear a Life Jacket

According to the Delaware Department of Natural Respurces (DNREC), children 12 and under are required to wear a life jacket at all times while in a moving boat. While not mandatory, it is strongly recommended to bring enough life jackets for everyone on board, just in case.

Do your Paperwork

In the state of Delaware, all operators born on or after January 1, 1978 must have completed a boating course approved by the Delaware Department of Natural Resources and Environmental Control. Proof of boater education (a state-issued card or NASBLA approved certificate) is required to be carried aboard during operation.

Place All Valuables in a Safe Place

Once you have gotten your boat maintenance, safety features, and paperwork squared away, you’ll need to ensure your valuables are property stored. Your cell phone, keys, wallet, and other electronics could end up in the water or lost at sea. Generally, a ziploc bag should do the trick but to help save the environment, try a reusable waterproof container! you’re parking your boat at a marina, you should be mindful of potential theft as well. Investing in a safe or other locked container can protect your items from being stolen.

Make Sure You Have The Right Insurance

A boat is an asset like any other, and you need to protect it from damage, theft, and other perils. If your boat is financed, you will be required to carry full coverage, which includes comprehensive and collision. Of course you will also need liability insurance as required by law in Delaware. Our agents at Commercial Insurance Associates can help you understand what type of boat insurance you need, and help you get the best price. Call our office at 302-286-7901, or email for a quick quote.

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Delaware Surety Bonding

What Is A Surety Bond? | This post brought to you by: Travelers Insurance

Surety bonds are designed to guarantee performance in the face of a set of particular risks. Each surety bond must be uniquely tailored to meet specific needs. Commercial Insurance Associates provides surety bonding for contractors in Delaware, Maryland, Pennsylvania, New Jersey, Virginia, Florida, and many more states.

A surety bond is an agreement under which one party, the surety, guarantees to another party, the obligee, the performance of an obligation by a third party, the principal.

The most common types of surety are:

Contract Surety Bonds
Contract Surety Bonds are bonds that the government or an owner of a construction project may require a contractor to obtain. If you are bidding a job for DelDOT, New Castle County, or any local government, you will need a contact surety bond. There are three types of contract surety bonds:

  • Bid bond – Affords protection to a project owner (obligee) in the event a successful bidder will not enter a contract and will not provide the required surety bonds or other security.
  • Performance bond – Provides protection to the obligee if the contractor defaults on its obligations under the bonded contract.
  • Payment bond – Guarantees that the contractor will pay subcontractor, labor and material bills associated with the construction project.

Commercial Surety Bonds
Commercial Surety Bonds are required of individuals or businesses by the government, legislation or by other entities. Commercial Insurance Associates provides the following types of commercial surety bonds:

  • License and permit bonds – required by state, municipal or federal ordinance or regulation. These bonds may be required as a condition for engaging in a particular business or exercising a particular privilege. Examples include performance and payment bonds, customs bonds, tax bonds and warehouse bonds.
  • Fiduciary bonds – required of those who administer a trust under court supervision.

Who Needs a Surety Bond?

Contractors licensed in the following Delaware municipalities are required to be bonded in order to renew their license:

  • New Castle County, Delaware
  • Newark, Delaware
  • Elsmere, Delaware
  • Wilmington, Delaware
  • Rehoboth Beach, Delaware
  • Many more!

If you are doing residential or commercial construction in Delaware, you are almost guaranteed to need a surety bond at some point in your career. Let us be your bonding experts.

Commercial Insurance Associates has access to bond markets all over Delaware, Maryland, Pennsylvania, and more. Do you need to renew your contractors license? Are you pulling permits for a local government? If you are a contractor who bids government jobs, have you shopped your bond rates recently? Give us a call at 302-286-7901 to learn more about our surety bonding services.

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Staying Safe on New Year’s Eve 2020

The holiday season is the time of the year when everyone relaxes, unwinds, and meets with friends and family.  When it comes to New Year’s Eve, many people like to head out and party.

Unfortunately a fun night out can turn into a disaster for those who do not have safety on their minds, especially when it comes to operating a motor vehicle.  Speeding, aggressive driving, and driving under the influence are all common factors in December 31st insurance claims.  In fact, the average number of fatalities resulting from alcohol related accidents rises by 34 percent between Christmas and New Years.  That is certainly not how your want to ring in your 2020!

Here are some tips for you to have an awesome and safe New Year’s Eve:

Stay In

Why spend your New Year’s Eve waiting in line at a nightclub when you can have an amazing time in your own home?  Have a quiet night in watching the ball drop on television.  If you do have guests over, invite them to spend the night if they plan on drinking.  This will ensure that no one gets involved in any road accidents that could result in hefty insurance claims and risk everyone’s lives.

Call an Uber

Heading to a restaurant, bar, or nightclub?  How about a party hosted by a friend or family member?  If you don’t plan to stay over and you intend on having a few drinks, then just call a cab/taxi.  Nowadays with your smartphone, you can easily call an Uber to pick you up and drop you off.  Alternately, you can do the same for friends who have had too much to drink and send them back safely to their home.

Be the Designated Driver

If you are out with your friends it doesn’t hurt to be the designated driver. It doesn’t matter whose car you drive, as long as you are the sober one at the end of the night.  You have to wake up in the morning and feel the new year sunshine and that can only be possible if you drive safely the night before.

Know When to Stop

It can be difficult to stop drinking, especially when you are out celebrating.  But it’s better to limit your alcohol intake so that you don’t end up doing something you regret.  Your 2020 should not begin with embarrassing photos of you  circulating around the Internet, or worse yet, you or someone else ending up in the hospital from a motor vehicle collision.  Drunk driving is no joke!

The most obvious reason not to drive drunk is because it puts you and everyone around you in danger.  Even if you were to cause a minor accident with no injuries, you will likely still damage your car and someone else’s.  Not to mention the police will arrest you and charge you with a DUI.  None of these outcomes are worth it, and they will wreak havoc on your auto insurance rates.  We at Commercial Insurance Associates support driving safe and sober this New Year’s Eve!

Commercial Insurance Associates, Inc.
13730 Cypress Terrace Circle Suite #403
Fort Myers, Florida 33907
(239) 437-5003

260 Chapman Road Suite 100-B
Newark, Delaware 19702
(302) 286-7901

1547 New London Road
Landenberg, Pennsylvania 19350
(610) 255-5200

22 North Church St
West Chester, Pennsylvania 19380
(610) 436-4608

Additional locations in Rehoboth Beach, Delaware & Townsend, Delaware!

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September 11, 2019

Remembering the lives lost and honoring those who responded to the tragedy on this day eighteen years ago. #NeverForget#September11th
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Why Does My Business Need Insurance?

For a Newark, Delaware business owner, your business is your livelihood. When you first started out, you spent plenty of time and money to get your business up and running.  By now you’re on your feet and your business has grown into one of your most important assets. Surely you already have insurance to protect the home you live in and the car you drive.  Now it’s time to make sure your business is adequately covered. So what does this entail?

Protect your Assets

Having a commercial insurance policy for your Delaware company will cover you if your business assets are damaged.  If you are a contractor, you may have spent money on vehicles and equipment. If you are a vendor or have a retail location, you have likely purchased supplies and stock that you’re now storing.  You may have even purchased a building to house your business. A commercial property insurance policy will reimburse you in the occasion that these assets become damaged.

Liability Protection

Delaware business owners assume liability in many ways.  Each time you provide a service or sell a product to a customer, you are assuming liability for that transaction.  Let’s say you perform construction work for a homeowner, and your construction materials cause injury to someone in the home.  Your business is now opened up to potential lawsuits regarding that injury. Now if you have a retail location, you are liable for slip and falls or anything similar that could happen to a customer just walking around your store.  Business liability insurance will protect your financial assets if you are sued for liability.


If your company does work for other businesses, you will most certainly find yourself needing a commercial insurance policy.  Almost every business in Delaware requires their vendors and subcontractors to have a commercial liability policy in place, often times before they will even allow your company set foot on their property.  Finding an agent who is knowledgeable about what type of insurance is required for your job is very important, as not having the right coverage could cause you to miss out on a contract. Our team at Commercial Insurance Associates, Inc. is experienced in providing proof of insurance documents for our policyholders.

When looking for business insurance, look no further than the professionals at Commercial Insurance Associates, Inc.  We provide coverage to businesses in Delaware, Pennsylvania, Maryland, New Jersey, and many other states. For a list of all the states we are licensed in, please visit our website at  You can request a quote right on our website or call our main office at 302-286-7901.

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