Business Details
Your Trusted Insurance Partner in Smyrna, DE
Pratt Insurance has been a trusted name in the insurance industry since 1880, establishing itself as the oldest continuously operated business in Smyrna, Delaware. Our mission centers on delivering innovative, comprehensive insurance solutions tailored to meet the unique needs of individuals, businesses, and equine clients. With over 145 years of experience, we combine deep industry knowledge with personalized service to ensure our clients receive the highest level of expertise and support. Our team, led by CEO Howell F. Wallace, has grown the agency into an industry leader while maintaining a commitment to local community values and global industry standards. We specialize in personal and commercial lines, equine insurance, and claims management, serving clients across Delaware, Maryland, Pennsylvania, and Virginia. Our dedication to continuous improvement and client satisfaction has earned us long-standing relationships with regional, national, and international insurance carriers.We pride ourselves on anticipating client needs, offering annual policy reviews to keep coverage up-to-date, and providing 24/7 accessibility for urgent matters. Our legacy of excellence, innovation, and service remains unchanged under four decades of leadership by Howell Wallace, a U.S. Marine Corps veteran who joined the agency in 1974. We actively support military families and community organizations, reflecting our belief that trust and expertise are the cornerstones of successful insurance partnerships. From risk assessment to claims resolution, Pratt Insurance remains focused on delivering peace of mind through customized, forward-thinking insurance solutions.
Services
Commercial Lines Insurance
Personal Lines Insurance
Equine Insurance
Health Insurance
Insurance Claims
Highlights and features
- We have provided insurance expertise since 1880, making us Delaware's oldest continuously operating agency.
- Our team offers specialized knowledge in equine insurance, a rare industry specialization.
- We maintain partnerships with regional, national, and international insurance carriers for comprehensive coverage options.
- Our CEO Howell Wallace brings 49 years of leadership experience and military service discipline to our operations.
- We offer annual policy reviews to ensure your coverage evolves with your changing needs.
Services
Commercial Lines Insurance
We provide comprehensive risk management solutions for businesses including general liability, property insurance, and specialized coverage for contractors, municipalities, and professionals. Our team helps businesses assess potential risks and implement tailored insurance strategies that protect assets while ensuring compliance with industry regulations. With access to multiple carriers, we offer competitive rates and customized policy options for companies of all sizes.
Personal Lines Insurance
Our personal insurance solutions protect individuals and families with coverage for homes, vehicles, and valuable assets. We offer homeowners, auto, and umbrella policies that adapt to life changes through annual reviews and updates. Our agents work closely with clients to understand their unique needs, providing guidance on appropriate coverage levels and risk mitigation strategies that ensure long-term financial security for personal assets.
Equine Insurance
We specialize in equine insurance programs that cover mortality, surgical procedures, and liability protection for horse owners and breeders. Our policies accommodate competitive show horses, racehorses, and pleasure horses with flexible payment options and global coverage. As industry leaders in this niche market, we provide access to specialized carriers and expert claims handling tailored to the unique needs of equine professionals and enthusiasts.
Health Insurance
Our health insurance services help individuals and businesses navigate complex coverage options for medical, dental, and vision care. We offer personalized consultations to evaluate healthcare needs and recommend appropriate policy structures that balance coverage and affordability. Our team stays current with regulatory changes to ensure compliance while helping clients maximize benefits through carefully selected insurance products from trusted providers.
Insurance Claims
We provide expert claims assistance for personal and commercial policyholders, ensuring timely and fair resolution of insurance claims. Our experienced team guides clients through the entire claims process, from initial reporting to final settlement, while advocating for their best interests. With established relationships with major carriers, we facilitate efficient claims processing and help policyholders understand their coverage rights and responsibilities during critical times.
People
Howell F. Wallace
CEO
Howell Wallace has led Pratt Insurance for 49 years, joining in 1974 after U.S. Marine Corps service. As President & CEO since 1976, he expanded our service area and product offerings while maintaining our founding commitment to excellence. His leadership has established Pratt Insurance as an industry leader in personal, commercial, and equine insurance sectors.
Questions
What types of insurance does Pratt Insurance offer?
We provide commercial lines, personal lines, equine insurance, health insurance, and comprehensive claims services to clients in Delaware, Maryland, Pennsylvania, and Virginia.
How can I get a business insurance quote?
Contact our commercial accounts specialists at 302-653-6681 or request a custom quote online for business auto, liability, property, or specialized industry coverage.
Do you offer personal insurance policy reviews?
Yes, we recommend annual policy reviews to ensure your homeowners, auto, or umbrella coverage adapts to life changes and maintains adequate protection levels.
What equine insurance options are available?
Our equine insurance includes mortality, surgical, liability, and transportation coverage with competitive rates for show, race, and pleasure horses through specialized carriers.
How do I file an insurance claim?
Contact our claims department directly at 302-653-6681 or through your account representative for prompt assistance with personal or commercial insurance claims processing.
Is Pratt Insurance locally owned?
Yes, we're Smyrna, Delaware's oldest continuously operating business, family-owned since 1880 with deep community roots and local market expertise.
