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COVERAGE / WORKERS' COMP / STATES / DELAWARE
WORKERS' COMP · DELAWARE

Workers' comp in Delaware.

Delaware requires workers' comp from the first employee. Delaware's own rating bureau sets its own classes. You buy coverage from carriers.

REQUIRED
From the first employee
RATING BUREAU
DCRB
CLASS CODES
Own system
BUY FROM
Carriers
WHO MUST CARRY IT

Required from the first employee.

The rule

Delaware requires workers' comp from the first employee.

Source: 19 Del. C. § 2306(a) (1 or more employees); §§ 2371-2372 (compulsory insurance), checked October 5, 2026.

Coverage rules: Delaware Division of Industrial Affairs, Workers' Compensation (employer knowledge base), checked October 5, 2026.

CLASS CODES HERE

Delaware's own rating bureau sets its own classes.

Rating bureau

Delaware has its own rating bureau, the Delaware Compensation Rating Bureau (DCRB).

Delaware Compensation Rating Bureau (DCRB)

Class system

Its own classes, three digits shown with a leading zero: clerical office employees, for one, are 0953.

Manual: DCRB Basic Manual, Section 2: Classifications

Codes on our pages

Delaware uses its own classes; where a number matches a code on our class code pages, the state's class applies, not NCCI's.

All class codes, by industry

List: DCRB Basic Manual, Section 2: Classifications (version dated 01/06/2026), checked October 5, 2026.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class
Gross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.
For the cost per employee.
PAY FREQUENCY
Your rating
From your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.
Compares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.
SCHEDULE RATING
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · THIS CLASS
Enter your rate
Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in Delaware?
Yes. Delaware requires workers' comp from the first employee.
Who sets class codes in Delaware?
Delaware's own rating bureau, the Delaware Compensation Rating Bureau (DCRB). Its own classes, three digits shown with a leading zero: clerical office employees, for one, are 0953. An advisor confirms your class codes.
Is Worklio Insurance licensed in Delaware?
Worklio Insurance Services LLC's producer is licensed in Delaware, and the agency license there has been applied for. See insurance licenses

SOURCES

Figures as of October 5, 2026.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payrollWORKLIO HCMPayroll taxes in DelawareEmployer payroll tax rates, on Worklio HCM.

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