Commercial insurance options
Or, quote another product
Delaware Workers' Compensation Insurance
Protect your business and employees with Delaware workers' comp
Delaware workers' compensation insurance offers medical and financial support for job-related injuries or illnesses. From the city of Dover to the state's coastal areas, this coverage helps businesses meet regulations and protect employees.
Start a quote or connect with a Progressive Commercial agent to learn more about workers' comp in Delaware.
Who needs workers' compensation insurance in Delaware?
Any business in Delaware with at least one employee needs to have workers' comp coverage. This means virtually all employers must carry this insurance to protect against workplace accidents.
For more information, review Delaware workers' compensation laws.
Delaware workers' compensation insurance exemptions
Certain businesses or employment situations are exempt from Delaware workers' compensation requirements, including farm workers and independent contractors.
Even if you're exempt, it's a good idea to verify your status with an expert to help you avoid possible issues. You might also need workers' comp insurance to satisfy the conditions of some professional licenses and contracts.
What are the penalties for not having workers' comp in Delaware?
Employers without workers' compensation coverage could face penalties like significant fines or legal fees. Talk to a Progressive Commercial specialist or start a quote online for guidance and support.
How much does workers' comp cost in Delaware?
Delaware workers' compensation rates are based on factors like:
- Job classification code: The Delaware Compensation Rating Bureau assigns workers' compensation class codes based on risk level, which can affect costs.
- Payroll: Since workers' comp premiums are calculated per $100 of payroll, larger companies usually see higher rates.
- Claims history: A high number of claims can influence coverage costs and might lead to a more expensive policy.
- Insurance carrier: Delaware workers' compensation providers might consider additional factors when setting prices.
How can you get workers' comp in Delaware?
If you're looking for Delaware workers' compensation insurance, you can get it a few ways:
- Private insurers: Many Delaware businesses opt for private insurers since they can offer customized coverage and extra benefits.
- Self-insurance: Employers can apply for self-insurance, which may reduce costs by using their own funds to cover claims. This choice requires them to manage financial risks and responsibilities on their own.
- Assigned risk pool: Companies that have a hard time securing private coverage or self-insurance can get a policy through the Delaware Compensation Rating Bureau.
Review these options to find workers' comp coverage for your team.
How does workers' comp work in Delaware?
If a person gets hurt or sick from their job, workers' comp insurance provides support. After an employee reports an incident, a claim will be filed. Once approved, the employee receives financial assistance.
Delaware workers' compensation benefits can cover:
- Medical expenses
- Disability benefits
- Lost wages
- Rehabilitation costs
Workers' comp protects businesses by lowering the chance of lawsuits. Employees who accept Delaware workers' compensation settlements usually waive their right to sue, but if they do, this insurance helps cover legal costs.
Delaware workers' compensation death benefits
Families of deceased employees are eligible for Delaware workers' compensation death benefits, which help cover costs and provide financial stability after a loss. Dependents can receive:
- A lump-sum payment of up to $3,500 for funeral expenses
- Weekly payments, up to 80% of the maximum rate set by the labor secretary
- Support for children until age 18, or until 25 if they're full-time students
- Additional benefits for disabled children
Delaware workers' compensation statute of limitations
According to the Delaware statute of limitations, employees must file a claim within two years of the injury. They should report incidents promptly to meet deadlines and stay eligible for benefits.
Why choose Progressive Commercial for Delaware workers' compensation
Progressive Commercial has spent over 50 years partnering with businesses like yours to deliver friendly support, competitive rates, and expert insights.
Reach out to an agent or start an online quote to get personalized assistance with workers' compensation insurance.
