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Delaware

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Telecom Compliance Reference — Updated 2025

TCPA Standard

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$10,000

Registration

Not Required

OverviewCalling HoursConsentRegistrationDNCEnforcementCase LawLegislation

Insurance Telemarketing Compliance in Delaware

Insurance agency telemarketing and lead generation compliance in Delaware

Guide last reviewed: January 2025

Delaware Insurance Overview

Insurance telemarketing in Delaware requires dual compliance: state telemarketing law (with criminal penalties for automated calling) and Delaware Department of Insurance regulations. The enhanced Consumer Fraud Act penalties for elderly victims make senior-focused insurance solicitation especially high-risk. Manual dialing with accurate representations is the only safe approach.

Penalty/Violation

$10,000

Willful

$20,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

No

Compliance Checklist

✓Licensed agents must comply with both state telemarketing law and Delaware Department of Insurance regulations,Manual dialing for cold outreach — criminal penalties for unauthorized automated calls,Obtain written consent before any automated calling or texting,Do not misrepresent policy terms or coverage — Consumer Fraud Act applies with enhanced elderly penalties,Scrub federal DNC list before calling,Honor opt-out within 10 business days,EBR exemption for current policyholders (manual calls only),Medicare and health insurance solicitation subject to additional federal CMS requirements

What Gets Companies Sued

✗Common insurance violations: (1) Auto-dialing Medicare-eligible consumers; (2) Misrepresenting coverage or premiums; (3) Not honoring opt-out requests; (4) Failing to identify as licensed agent; (5) Targeting elderly consumers with deceptive claims (triggers enhanced penalties).

Special Exemptions

Licensed insurance agents with existing policyholders have an EBR exemption for manual calls. Does NOT cover leads who only requested a quote.

Key State Rules

Mini-TCPANo
RegistrationNot Required
Class ActionsNot specified
Consent Requirements→Registration Details→DNC List→

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This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →