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If you have one or more employees, Delaware law requires you to carry Workers' Compensation Insurance. Employers may not charge an employee any amount for the coverage costs.

DE Workers' Comp: Key Details

  • Sole proprietors in Delaware can purchase WC for themselves, but are not required to unless they have one or more employees.
  • Farm workers are exempt from the Workers' Compensation law; however, farm employers may elect to provide coverage. Workers considered independent contractors, rather than employees, are not covered.
  • Insurance must be purchased through a commercial provider, unless the business qualifies for self-insurance.

Want more details about Workers' Compensation in Delaware? Visit DelawareWorks.com.

Workers' Compensation Insurance Laws By State