Delaware's Workers' Compensation Insurance Law
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Workers' Compensation Laws in Delaware

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

Workers' compensation insurance: Further reading

See Workers' Comp Laws Where You Live