Workers Comp Insurance in Delaware: What Every Employer Should Know

Delaware requires nearly all employers to carry workers compensation insurance. It is one of the smaller East Coast states but its workers comp enforcement is serious. Here is what Delaware business owners need to know.

Delaware Workers Comp Requirements

Delaware law requires all employers with one or more employees to carry workers comp coverage. This includes full-time, part-time, and seasonal workers. Sole proprietors with no employees are exempt, but any business that hires even a single employee must have coverage in place.

The Delaware Department of Labor

The Office of Workers Compensation within the Delaware Department of Labor oversees the system. Employers found without required coverage face fines and personal liability for all costs related to employee injuries. Stop-work orders can also be issued for uninsured worksites.

Workers Comp Rates in Delaware

Delaware uses class codes and experience modifiers to determine premiums. Rates vary by industry and claims history. The private insurance market in Delaware is competitive, and working with an independent agent who shops multiple carriers is the best strategy for finding the right rate.

Get a Free Delaware Workers Comp Quote

Comp Matters Inc. writes workers comp for Delaware businesses across all industries. Call (631) 248-2500 or request a free quote online today.