CallataGuidesBusiness phone system for insurance agencies and brokerages in Delaware
315 insurance agencies and brokerages operated in Delaware in 2023. Where they are, how big their teams are, and what phone service costs them.
- Establishments
- 315CBP 2023
- Employees
- 2,412mid-March 2023
- Per 100k residents
- 29.9U.S. 39.3
- State rank
- 48th of 51by count
How many insurance agencies and brokerages operate in Delaware
Delaware had 315 insurance agencies and brokerages in 2023, according to Census County Business Patterns (NAICS 524210, Insurance Agencies and Brokerages). They employed 2,412 people in mid-March and reported $234.7 million in annual payroll. That is the 48th highest count among the 51 states and DC with published figures. Insurance agencies and brokerages make up 1.1% of the 29,706 business establishments in the state.
Per 100,000 residents (2024 estimate) Delaware has 29.9 insurance agencies and brokerages, 23.8% below the national rate of 39.3. The average establishment has 7.7 employees against 6.1 nationally. Payroll per employee is $97,325, 7.1% above the U.S. figure of $90,831.
| Measure | Delaware | United States |
|---|---|---|
| Establishments | 315 | 133,728 |
| Mid-March employees | 2,412 | 818,561 |
| Annual payroll | $234,747,000 | $74,350,546,000 |
| Employees per establishment | 7.7 | 6.1 |
| Payroll per employee | $97,325 | $90,831 |
| Establishments per 100,000 residents | 29.9 | 39.3 |
Census County Business Patterns 2023 (mid-March employment; annual payroll). Employees and payroll flagged high-noise are shown but not used in the text. Residents: Census Vintage 2024 estimates.
Insurance agencies and brokerages by metro area in Delaware
Census published insurance agency counts for 3 metro or micropolitan areas that include part of Delaware. The largest is Philadelphia, PA-NJ-DE-MD, with 2,348 establishments (a multi-state area; its count covers every state it spans). Single-state metro and micropolitan areas account for 36% of the statewide total; the rest are outside any published area or in areas Census suppressed.
| Area | Establishments | Employees | Per 100k residents |
|---|---|---|---|
| Philadelphia, PA-NJ-DE-MD | 2,348 | 20,586 | 37.1 |
| Seaford, DE | 60 | 438 | 22.1 |
| Dover, DE | 53 | 241 | 27.5 |
Source: Census County Business Patterns 2023; population from Census Vintage 2024 estimates.
Team sizes at insurance agencies and brokerages in Delaware
61.7% of Delaware's insurance agencies and brokerages with employees had fewer than five people in March 2023, compared with 72.3% nationally. 86.3% had fewer than ten. That is the size of team where a missed call usually means nobody was free, not that nobody was on staff.
| Employment size | Establishments | Share | U.S. share |
|---|---|---|---|
| 1–4 employees | 193 | 61.7% | 72.3% |
| 5–9 employees | 77 | 24.6% | 17.6% |
| 10–19 employees | 26 | 8.3% | 6.0% |
| 20–49 employees | 13 | 4.2% | 2.7% |
| 50 or more employees | 4 | 1.3% | 1.4% |
Employment-size classes count establishments by mid-March 2023 employment. Establishments with no March employees are excluded from the size classes, so shares are of establishments with employees. Source: Census County Business Patterns 2023.
Calls an insurance agency in Delaware has to catch
Insurance agencies take quote requests, policy changes and claims questions, and a caller shopping for a quote may only call one or two agencies. Recording calls and summarizing them also helps agencies document what a client asked for. That holds for insurance agencies and brokerages in Delaware as much as anywhere.
Calls an insurance agency in Delaware might handle in a typical week include:
- A prospect calls for an auto insurance quote.
- A client calls after an accident to start a claim.
- A lender calls to request proof of insurance.
After-hours calls
After-hours calls after an accident or loss need clear instructions on how to reach the carrier's claims line.
Callata voicemail is transcribed and triaged for urgency, and business-hours routing decides where calls go once you close.
What a phone system costs an insurance agency in Delaware
Insurance agencies and brokerages in Delaware average 7.7 employees, so the comparison uses an 8-person team. Priced per seat, 8 users would run $240.00 a month on RingCentral RingEX Core and $199.60 on Ooma Office Pro (month-to-month list prices, checked September 28, 2026). On Callata the same 8 people cost $159.00 a month, less than either per-seat plan.
The annual difference against RingCentral's monthly list price comes to $972. Some vendors discount annual contracts; the table shows month-to-month prices.
| Provider (plan) | Pricing basis | Per month | Per year |
|---|---|---|---|
| Callata (Callata Office) | $99 incl. 5 users, $20 per extra user | $159.00 | $1,908.00 |
| Quo (Starter) | $19.00 per user | $152.00 | $1,824.00 |
| Nextiva (Core) | $23.00 per user | $184.00 | $2,208.00 |
| Ooma (Office Pro) | $24.95 per user | $199.60 | $2,395.20 |
| Dialpad (Standard) | $27.00 per user | $216.00 | $2,592.00 |
| RingCentral (RingEX Core) | $30.00 per user | $240.00 | $2,880.00 |
Competitor prices are each vendor's published month-to-month list price per user for its lowest plan that includes business calling and texting, checked September 28, 2026: Quo Starter $19, Nextiva Core $23, Ooma Office Pro $24.95 (Essentials excludes texting; one-time $29.95 activation not included), Dialpad Standard $27, RingCentral RingEX Core $30 ($20 billed annually). Prices exclude taxes and fees and may change; annual contracts lower some competitors' prices.
Area codes in Delaware
Delaware has 1 geographic area code in service according to NANPA. You can choose local numbers in the area codes your policyholders know, subject to carrier inventory, or port your current number for free.
| Area code | Exchanges | Time zone | In service since | Overlay with |
|---|---|---|---|---|
| 302 | 656 | Eastern | 1947 | none |
Exchanges are NANPA-assigned central office codes (NPA-NXX) in the rate centers matched to the area's named places. Source: NANPA utilized code and NPA reports.
How Callata works for insurance agencies and brokerages in Delaware
For $99 a month, Callata puts a team of up to 5 on one plan ($20 for each person after that): up to 3 local numbers, unlimited inbound calls, a pooled allowance of 1,500 outbound US and Canada minutes per user, browser and cell calling, voicemail transcription with urgency triage, recorded calls with AI summaries and business-hours routing, with E911 on every number.
If you already have a number in Delaware, porting it to Callata is free. Texting from a local number requires a one-time carrier registration (10DLC, $49), and the numbers available in any area code depend on carrier inventory when you choose them.
Optional AI agents (receptionist, sales, support or scheduler) can answer calls after hours or when nobody picks up, take messages, text, email and transfer to your team. They are billed from prepaid AI minutes at $0.25 per minute, identify themselves as AI, and may only place outbound calls to people who consented, between 8am and 9pm.
Outbound sales calls and texts are subject to telemarketing and consent rules; get consent before marketing by phone or text.
Frequently asked questions
How many insurance agencies and brokerages are in Delaware?
315 in 2023, according to Census County Business Patterns. They employed 2,412 people in mid-March.
Which Delaware metro area has the most insurance agencies and brokerages?
Philadelphia, PA-NJ-DE-MD, with 2,348 establishments in 2023.
What does a phone system cost an 8-person insurance agency?
$240.00 a month on RingCentral RingEX Core or $199.60 on Ooma Office Pro at month-to-month list prices (checked September 28, 2026); $159.00 on Callata ($99 a month with 5 users included, then $20 per additional user).
Do I need to register to text customers from a Delaware number?
Yes. US carriers require business texting from local numbers to be registered (10DLC). On Callata the registration is a one-time $49 fee, and texting turns on once it is approved.