FAQ

Downes Insurance Associates is an independent insurance broker in Milford, Delaware. That means we work for you, not for a single insurance company. We shop multiple top-rated carriers to find the right coverage for your situation, and when you call our office, a real person answers. Our motto is simple: our policies come with an agent. You get consistent service from someone who knows your name and your policy — not a different representative every time you call.

Yes. Flood insurance is one of our specialties in the Milford area. Standard homeowners and business policies typically do not cover flood damage, which is a real risk for properties near the Mispillion River and throughout Kent and Sussex counties. We help clients understand what their current coverage includes and, when appropriate, add flood insurance to make sure they are fully protected.

We offer a full range of commercial insurance for small business owners in the Milford, Delaware area, including business owners policies (BOP), general liability, workers compensation, and commercial auto. As an independent broker, we compare multiple carriers to find coverage that fits your industry and budget. Call us at 302-422-8863 or stop by our office Monday through Friday, 9 to 5.

Yes. Our website includes direct service links to our carrier partners’ payments and claims portals, so you can take care of routine service needs even when our office is closed. If you need personal help navigating a claim or have questions about your policy, call us directly at 302-422-8863 and we will walk you through it.