Pratt Insurance, Inc. is an independent agency delivering tailor-made personal, commercial, and equine insurance solutions throughout Delaware, Maryland, Pennsylvania, and Virginia — with specialized worldwide equine programs.
"The mission of Pratt Insurance is to provide quality, innovative and comprehensive insurance coverage, while also offering the highest level of knowledge, expertise and service to our clients."
Since 1880, Pratt Insurance has stood as an unwavering pillar of reliability in Smyrna, Delaware. We hold the proud distinction of being the oldest continuously operated business in the Town of Smyrna, having weathered over a century of economic cycles, regional storms, and regulatory transformations.
As an independent agency, we do not work for any single insurance company — we work for you. We represent more than 25 regional, national, and international insurance underwriters, enabling our specialists to aggressively compare coverage limits, evaluate risk parameters, and negotiate competitive premiums tailored directly to your distinct circumstances.
From regional contractors and municipal fleets to family homes and international racehorses, our licensed specialists construct robust liability barriers around your assets.
Custom-built risk protection for municipalities, general contractors, commercial trucking, small businesses, and professional offices. Includes CGL, Business Auto, Property, Inland Marine, and E&O.
Explore Commercial Coverage →Comprehensive protection for you and your family. Tailored policies for primary residences, coastal & beach properties, manufactured homes, personal autos, watercraft, RVs, and umbrella liability.
Explore Personal Coverage →Industry authority in equine risk underwriting. Coverage packages for show, race, and pleasure horses, full mortality & theft, major medical/surgical, stallion infertility, and air transport.
Explore Equine Coverage →Strategic corporate benefit planning with 25+ years of experience. Fully insured and self-funded group medical, dental, vision, STD/LTD, Section 125 cafeteria plans, and outsourced HR support.
Explore Employee Benefits →When disaster strikes, you are never alone. Our dedicated in-house claims specialists manage loss filings directly, advocate on your behalf with adjusters, and monitor prompt payment authorizations.
View Claims Procedures →Secure your legacy and business continuity with term life, whole life, key person insurance, buy-sell agreement funding, and comprehensive long-term care programs tailored to your goals.
Schedule a Consultation →Pratt Insurance partners with over 25 top-rated regional, national, and international insurers to deliver uncompromised coverage choices and superior pricing.
Active involvement with regional chambers, industry trade associations, and civic foundations across the Mid-Atlantic region.
Whether you are acquiring a new commercial vehicle fleet, shopping homeowner renewals, evaluating group employee benefits, or insuring high-value equine stock, our licensed team is ready to assist.
Local Smyrna Office: 302-653-6681
Delaware Toll-Free: 800-282-8590
Maryland Toll-Free: 800-497-7288
Office Fax: 302-653-2370
Notice: In accordance with our security policy, claims submissions are not processed via web forms. If you have an active loss claim, please call our in-house claims desk immediately at 302-653-6681.
Complete the form below and an account executive will respond within one business day.
