FAQ: Workers' Compensation Insurance in Delaware

Workers' compensation insurance in Delaware protects the business and the employee. It helps pay for medical expenses and lost wages of an employee that becomes injured or ill as a result of their work duties. 

Every Delaware workers' compensation policy premium will be different. Each business has its own unique risk factors that will be taken into account. Check out the range of workers' compensation rates per industry type per $100 dollars of employer payroll in Delaware below: 

Fence Installation & Repair$10.24$13.89
Roofing Contractors$18.93$25.67
Alarm Installation & Repair$2.20$2.98
Electrical Work-Electrician$3.07$4.16
Plumbing Contractors$3.91$5.30

Yes. All employers with one or more employees are required to carry workers' compensation insurance in Delaware. Coverage limits need to meet or exceed the state minimum requirements. 

In Delaware, your workers' compensation policy will protect your business and employees in the following incidents:

  • Traumatic injuries
  • Repetitive injuries
  • Some mental or cognitive injuries
  • Occupational illnesses/diseases

Exclusions will apply to your Delaware workers' compensation insurance. Typically your policy will not provide coverage for the following incidents:

  • Intentional injuries or illnesses
  • Injuries or illnesses sustained outside of work
  • Injuries or illnesses sustained while committing a crime
  • Injuries or illnesses sustained under the influence of drugs or alcohol

A certificate of insurance tells the recipient the coverage limits and expiration dates of each business policy you own. This evidence of insurance will include your workers' compensation policy and can be obtained from your trusted insurance adviser for free.

In Delaware, your employee's workers' compensation benefits collected due to a loss are not considered taxable income in most cases. 

When you're looking for the most competitive workers' compensation coverage in Delaware, shopping with an independent insurance agent can help. They have access to multiple carriers at once, giving you options on policy and price. 

National Average Cost of Workers' Compensation Insurance

Healthcare $1,825 Per $100,000 payroll

Retail Trade $2,850 Per $100,000 payroll

Construction $7,430 Per $100,000 payroll

Workers' Compensation Laws in Delaware

In Delaware, you are required to carry workers' compensation insurance for all employees, whatever the number. If you have just one staff member who is full-time or part-time, or even seasonal, workers' compensation insurance is mandated. Coverage must be obtained at the state minimum limits or greater to comply with local law. 


Common Workers' Compensation Claims in Delaware


The Top 5 industries with the most claims filed:

  1. Construction
  2. Transportation and warehousing
  3. Manufacturing
  4. Crop farming
  5. Landscaping


The Top 7 most reported injuries:

  1. Violence and other injuries by persons or animals
  2. Transportation incidents
  3. Fires
  4. Falls, slips, trips
  5. Exposure to harmful substances or environments
  6. Contact with objects and equipment
  7. Overexertion and bodily reaction


Workers' compensation claims in Delaware can take a turn for the worse. In one recent year, Delaware saw 18 fatal work injuries.