Delaware workers' compensation rates expected to decrease in 2020.

Workers' comp rates in Delaware are expected to go down this year. Workers' Compensation Insurance in the state are still pretty high compared to the rest of the country. Currently, workers' comp rates are 25 percent higher than the national average. This ranks Delaware as the 9th most expensive state in the country, on avaerage, to find coverage. These rates have risen dramatically in recent years. As recently as 2014, Delaware enjoyed rates six percent lower than the national average.

Delaware is an NCCI state like most other states. This means that NCCI oversees employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the DE Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.

Workers' compensation rates may still vary for the same class codes in Delaware because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates. More discounts may also be added to a policy depending on the size of payroll and overall claims experience.

Don't get stuck paying too much for your workers' comp coverage. Our agents know how to get you the lowest rates for your business. Call us today to find out how knowledegeable agents, expert advice and more choices lead to the best workers' comp quote.

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Workers Comp Rates are an Art & Science

What influences my workers comp insurance cost?

Your State & Class Codes

Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.

Your Claims or Losses

Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.

Prior Experience & Coverage

Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.

Policy Credits and Debits

Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.

Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.

DE Rates for Select Work Comp Class Codes

We Track and Monitor Filed Rates for Most State Class Codes. Select Codes Listed:

Delaware is a competitive rating state and allows private carriers to offer workers comp coverage, but the state does not utilize NCCI for its Rating Bureau. The Delaware Compensation Rating Bureau (DCRB) administers all rules and manages the Delaware State Fund. Workers' compensation rates listed below represent the current insurance rates for 2020. Rates are set by the Office of Insurance Commissioner and the Office of Workers' Compensation. Insurance companies may be able to offer discounts and credits to policies. Not all employers will qualify for the lowest rates or maximum policy credits. Our agency helps Alaska employers buy workers' compensation coverage at the lowest rates available.

Class Code & Description Low Rate High Rate
0005 Farm-Planting & Harvesting-Cannabis Growers $14.87 $20.17
0012 Landscaping Service $4.12 $5.60
0106 Tree Trimming-Pruning-Removal $7.24 $9.82
0108 Breweries & Craft Beers $4.03 $5.46
0113 Winery-Wine Makers $2.85 $3.87
0142 Dry Cleaning & Laundry Service $2.95 $3.95
0441 Machine Shop $1.56 $2.11
0601 Asphalt & Paving Work $9.36 $12.70
0608 Concrete Work Flat Work Cement $5.04 $6.83
0609 Excavation & Grading Work $4.73 $6.42
0645 Drywall Contractors $6.59 $8.94
0648 Trim-Finish Carpenters-Cabinets-Countertops $5.02 $6.81
0652 Door & Window Installers $8.75 $11.88
0652* Residential Construction-Home Builders-Remodelers-Siding $8.75 $11.88
0653 Masonry Consturction $6.78 $9.20
0658 Fence Installation & Repair $10.24 $13.89
0659 Roofing Contractors $18.93 $25.67
0660 Alarm Installation & Repair $2.20 $2.98
0661 Electrical Work-Electrician $3.07 $4.16
0663 Plumbing Contractors $3.91 $5.30
0663* Solar Energy Contractors $3.91 $5.30
0664 HVAC-Heating & Cooling Service/Repair $4.71 $6.39
0664* Metal Building Construction $4.71 $6.39
0665 Painting Contractor $7.47 $10.14
0668 Ceramic Tile & Stone Work $8.02 $10.87
0670 Floor Installers-Wood-Carpet-Laminate $6.40 $8.68
0674 Pool Installation & Maintenance $5.74 $7.79
0675 Garage Door Installation $3.93 $5.34
0808 Package & Parcel Delivery $5.84 $7.93
0811 Trucking-Short & Long Haul $7.72 $10.47
0813 Warehousing & Storage Facility $4.62 $6.27
0815 Auto Service & Repair-Mechanic $2.89 $3.93
0815* Auto Body Repair $2.89 $3.93
0817 Non-Emergency Medical Transport-Taxi-Limo-Airport Shuttle $9.22 $12.50
0859 Salvage Yard-Auto Recycling $7.38 $10.02
0882 Residential Cleaning Services=Housekeepers $6.19 $8.41
0884 Fitness Center-Health Clubs-YMCA Programs $0.85 $1.16
0891 Childcare Centers-Daycare Providers $1.46 $1.97
0896 Social Service Organizations-Counseling-Family Services $1.65 $2.25
0897 Fast Food Restaurants-Concessions-Doughnut Shop $1.81 $2.46
0899 Bars-Taverns-Nightclubs $1.45 $1.96
0928 Retail Stores-Merchandise-Cannabis Dispensary $2.74 $3.71
0940 Group Homes-Temporary Shelters-Disability Facility $5.01 $6.80
0943 Home Health Care Workers $4.64 $6.31
0944 Golf Courses & Country Clubs $2.75 $3.72
0951 Sales Professional $0.47 $0.65
0953 Clerical-Office Employee $0.13 $0.17
0954 Security Guard-Patrol Officers $2.75 $3.72
0957 Medical Office-Doctor-Dentist-chiropractor, Optometrist $0.54 $0.74
0959 Animal Shelter & Kennels-Veterinarian $1.50 $2.03
0963 Religious Organization-Church -Temple $0.37 $0.50
0966 Electrical Equipment Repair & Service $3.10 $4.20
0969 Shooting Range-Amusement Park $3.80 $5.17
0971 Property Management - Leasing Agent $3.20 $4.34
0971* Janitorial Service Contractors-Pest Control-Exterminating-Chimney $3.20 $4.34
0973 Hotels & Motels $3.17 $4.15
0974 Nursing Homes & Assisted Living Facilities $2.97 $4.03
0975 Restaurants & Catering $1.63 $2.21
0978 Building Maintenance-Campgrounds-Camps-RV Parks $2.75 $3.73
0992 Septic Tank Cleaning-Portable Toilets $4.35 $9.90
0995 Refuse Collection-Garbage-Trash Service $7.26 $9.84

Delaware workers comp rates vary by business classification codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers compensation losses. Our agency helps Delaware business owners shop for the most affordable workers' compensation rates.


State Resources for Delaware

Delaware Office of Workers' Compensation

State Office Building, Sixth Floor
820 North French Street
Wilmington, Delaware 19801
302-761-8001
http://dia.delawareworks.com/

Delaware Office of Insurance Commissioner

841 Silver Lake Blvd., Rodney Building
Dover, DE 19904
302-739-4251
www.delawareinsurance.gov/

Delaware is not under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency helps employers find guaranteed state fund workers' comp in DE. If we can't find more affordable coverage with a private insurance company, we can help you buy a state fund policy.

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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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