Delaware’s general floor is $25,000/$50,000/$10,000 plus PIP — but State Police Approved Towers on rotation must carry $1,000,000 CSL plus a $1,000,000 umbrella for vehicle, garage, and garagekeeper’s liability. Those big figures apply only to rotation towers.
Law: 21 Del. C. §§ 2118, 2902, 2118(a)(2); 2 Del. Admin. Code § 1301 · 2 Del. Admin. Code § 1301 § 4.6.3.2 · 2 Del. Admin. Code § 1301 § 4.6.3.2.1 · § 1301 § 4.6.3.2.2 · 2 Del. Admin. Code § 1301 §§ 4.2.2, 4.5, 4.6.3.2; 21 Del. C. § 2118
DE's tow-specific rule is 2 Del. Admin. Code § 1301 (Nonconsensual Towing) — the State Police Approved Tower regulation. Its $1,000,000 CSL + $1,000,000 umbrella figures (vehicle liability, garage liability, garage keeper's) apply only to State Police Approved Towers (rotation), not all DE operators. General statewide floor is 25/50/10 + PIP. Title 2 Ch. 18's $1,000,000 public-carrier figure does not apply to tow trucks (§ 1801(5) public-carrier definition excludes them; § 1802(p) covers passenger transport only). State procurement contract GSS14053-TOWING figures are contract requirements for state vendors, not a statewide operating minimum. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Delaware →Independent-contractor test: Restatement (Second) of Agency § 220 ten-factor test (reported by secondary sources — not confirmed from a DE court opinion or board rule in this research)
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.