DE Workers Comp Information

Get the latest news and information about Delaware workers compensation insurance.

Delaware is a state that is in a difficult position to help employers with rates on workers' compensation insurance. Because of its relatively small size there is a lack of competition in the marketplace for workers compensation coverage. This lack of competition makes rates fairly high in the state of Delaware. Currently Delaware is the 9th most expensive state in the country to purchase workers comp coverage. Rates are high in the state of Delaware for a few other reasons as well.

First and foremost rates are high in Delaware because of a lack of competition on the open market. This creates little incentive for carriers to strongly discount policies. Because of the relatively small size of the state, not a lot of insurance carriers are actively quoting policies in Delaware. This lack of competition drives up the price of coverage. Also, Delaware has its own state fund as the assigned risk provider. This assigned risk provider is weak compared to other states who have more well established partners. Typically states that partner with an outside carrier enjoy more competition and lower rates on workers comp coverage.

Another reason for higher than average rates on workers comp coverage is that in 2011 the state legislature in Delaware, in partnership with the Delaware Compensation Rating Bureau, approved rate hikes of 16.5% for the State Fund and 11.3% for the voluntary market. This rate hike alone took Delaware from being cheaper than average compared to the rest of the country to in the top ten most expensive states in the country to purchase workers comp coverage.

Don't pay too much for your Workers' Compensation Policy. We can shop your policy with more than a dozen insurance carriers actively quoting policies in Delaware. We want to quote your business. Call today to speak with one of our knowledgeable agents at 888-611-7467 or start a quote here online. It only takes a few minutes.

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About Workers Compensation in Delaware

Delaware Office of Workers' Compensation

State Office Building, Sixth Floor
820 North French Street
Wilmington, Delaware 19801

Delaware Workers' Comp Rates Rising Again

The Delaware Compensation Rating Bureau has approved a 7.2% increase in voluntary workers' compensation rates. These rates took affect as of December 1, 2016.

7.2% Increase in Rates Approved for DE.

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

Delaware Compensation Rating Bureau (DCRB)

The DCRB was formed in 1917 as a non-profit corporation and it is not affiliated with the state government of Delaware. The DCRB’s enabling statute specified that classification of employers, underwriting rules, policy forms, loss cost values and rating plans for workers compensation shall be proposed by a rating bureau. The DCRB is subject to examination by the Delaware Insurance Commissioner.

How does workers comp help my business?

Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

Delaware Assigned Risk Provider

The Department of Insurance in Delaware oversees the Assigned Risk Plan for the state. If an employer is unable to purchase workers compensation in Delaware from a private insurance company, they are eligible for a policy from the Delaware Workers Compensation Insurance Plan(DIP). In order to apply for State Fund in Delaware, two or more licensed agents from the voluntary market must first decline the application due to class codes, experience modification or loss history. The DIP is the carrier of last resort and no employer should buy coverage from the DIP unless they have no other options. Aside from having rates up to 50% higher than private carriers, the DIP applies a surcharge of .50% to all polices issued through the Delaware State Fund.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

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Delaware Work Comp Information

State mandated rate hike.

in 2011, the Delaware Department of Insurance approved a workers compensation rate increase. The average rate increase was a whopping 16.5% for the State Fund and 11.3% for the voluntary market. The new rates approved by DCRB made Delaware one of the most expensive states in the country to purchase coverage.

Since this rate increase took place it has been more important than ever for employers to shop their policies to make sure they are taking advantage of all the cost saving measures available to their business. Call today to see if our agents can help you save on your coverage 888-611-7467.

Let Workers Compensation help your business navigate workers comp insurance in Delaware.


We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.
  • National workers comp Specialists
  • Licensed throughout the United States
  • Programs for standard and tough class codes
Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.
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  • Easy billing and installment plans
  • We've helped over 35,000 business owners
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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