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Our Insurance Services
Expert risk consultation, computerized claims acceleration, and tailored policy packages designed to safeguard your family, your business, and your workforce.
Personal Insurance
"Every family and every individual—old, young, married, single, employed or retired—needs to select an insurance portfolio to match their exposure to risk, their financial means, and their desire for peace of mind."
Personal and family insurances from New Castle Insurance, Ltd. are supported by professionals who help you expedite claims, maintain emergency coverage, and keep your portfolio in tune with current needs. All policy and accounting information is computerized in our offices, speeding our response time and providing clients with immediate action on insurance matters.
Homeowners Insurance
Our professional consultants analyze your protection requirements, adapt coverage to your personal lifestyle, and select optimal packages from top underwriters.
Automobile Insurance
Bodily Injury, Property damage, Physical damage, Other than collision (Comprehensive), and Uninsured / Underinsured motorist coverage tailored to save on premiums.
Umbrella Liability
Our Personal Lines team provides essential excess liability protection to safeguard your family assets from catastrophic judgments.
Valuable Property
High-value coverage for items exceeding standard homeowner limits—jewelry, fine arts, collectibles, musical instruments, and belongings in transit.
Boats & Yachts
Dedicated physical damage and liability protection for watercraft, trailers, navigational equipment, and onboard guest injury.
Renters Insurance
Protect your personal belongings, liability, and temporary living expenses while renting an apartment, condo, or home.
Personal Lines Department
Speak directly with Jennifer Hyatt or Linda McKelvey for dedicated homeowner and automobile insurance consultation.
Direct Phone: (302) 328-6111 ext. 131 | Email: jhyatt@newcastleinsure.com
Commercial Lines Department
Managed by Stephanie Thompson, Joan Castagno Diop, and Shannon Strawbridge.
Direct Phone: (302) 328-6111 ext. 112 / ext. 126 | Email: sthompson@newcastleinsure.com
Commercial Insurance
"With over two decades of service to commercial clients of all sizes, in all fields, and all over the United States, New Castle Insurance, Ltd. brings you a level of experience in asset protection that can add value and affordability to your insurance portfolio."
We guide and help you manage the changes that come with growth and diversification staying abreast of the insurance market to keep your portfolio complete, current and cost efficient. Our professionals work with you to select the proper combination of property and casualty coverage for your operation.
Worker's Compensation
Designed for any employee who becomes injured or sick on the job; covers statutory medical expenses and a portion of lost wages.
Commercial Property
Protects against structural and operational losses caused by fire, wind, hail, theft, or acts of vandalism.
Business Owners Policy (BOP)
Custom packages addressing exact risk exposure: General Liability, Commercial Property, Business Auto, Crime, and Inland Marine.
Business Automobile
Commercial vehicle coverage for company cars, service vans, delivery trucks, and specialized operational fleets.
General Liability
Protects your company from standard commercial risks, slip-and-fall claims, property damage, and third-party liabilities.
Bonds (Financial Guaranty)
Financial guaranty insurance guaranteeing scheduled payments of interest and principal on surety or operational bonds.
Inland Marine Coverage
Specialized protection for operational equipment, mobile tools, raw materials, cargo in transit, and off-site machinery.
Employee Benefits
"In today's competitive job market, a strong benefit program is essential to keep and attract quality employees. Next to wages, employee benefits is the second largest piece of employee compensation."
Our employee benefits advisory team brings over 25 years of specialized experience in all types of group benefit programs. Our team has handled both fully insured and partially self-funded arrangements and will analyze your current program, discuss your goals and objectives and design a program that meets your needs and is cost competitive.
Group Medical Plans
HMO, PPO, POS, and High-Deductible Health Plans (HDHP) paired with Health Savings Accounts (HSA).
Dental & Vision Care
Comprehensive preventive, restorative, and vision diagnostic care programs for corporate teams.
Prescription Drug Plans
Formulary optimization and pharmacy benefit management to lower employer outlays.
Group Life & Disability
Short-term and long-term income replacement coverage to protect employee financial security.
401(k) Retirement Plans
Custom employer retirement vehicles, plan administration, fiduciary compliance, and employee enrollment.
Voluntary & Medicare
Voluntary supplemental insurance, critical illness riders, and Medicare Supplement plans.
Health & Benefits Department
Led by Monica Gallagher (Employee Benefits Advisor) and Allie Salter (Fire Company & Group Benefits).
Direct Phone: (302) 328-6111 ext. 133 / ext. 128 | Email: mgallagher@newcastleinsure.com
VFIS Mid-Atlantic Dedicated Division
Advisors: Kristin Scholl (ext. 127) and Allie Salter (ext. 128).
Direct Phone: (302) 328-6111 ext. 127 | Email: kscholl@vfismidatlantic.com
Emergency Services Operations
"With over 50 years of experience in Emergency Service Operations, let us protect your fire fighters, EMT'S and social members."
In dedicated partnership with VFIS Mid-Atlantic, New Castle Insurance delivers the gold standard in emergency organization risk management. Volunteer fire companies, rescue squads, and emergency medical service (EMS) teams face hazardous exposures that standard commercial policies fail to address.
Emergency Apparatus Coverage
Agreed value replacement for fire engines, ladder trucks, rescue ambulances, and emergency marine watercraft.
First Responder Accidental Injury
24-hour on-duty death and dismemberment, line-of-duty medical expense coverage, and disability income protection.
Management & Director Liability
Protection for fire chiefs, commissioners, trustees, and board members against administrative liability claims.
Station Property & Social Members
Comprehensive physical coverage for fire halls, training grounds, station banquet halls, and active social members.