Delaware runs its own rating bureau — the Delaware Compensation Rating Bureau (DCRB), a sibling of Pennsylvania’s PCRB — with its own class codes and loss costs. Carriers apply filed multipliers to DCRB loss costs, so identical Delaware businesses can be quoted very differently depending on the market.

The current rate environment in Delaware

Delaware just recorded its ninth consecutive annual decrease: the Insurance Commissioner approved voluntary-market loss costs down 11.6% and residual-market rates down 9.08%, effective December 1, 2025. If your Delaware premium hasn’t fallen at renewal, your classification or your carrier deserves a hard look.

Where to find official Delaware rate data

DCRB publishes its complete rating values publicly — the current loss costs and residual market rates (effective December 1, 2025) are downloadable at dcrb.com. As in Pennsylvania, final pricing runs through each carrier’s multiplier — the published table is the floor plan, not the bill.

What determines your Delaware premium

• Class codes — every job type carries its own rate; misclassification is the most common cause of overpayment
• Payroll — premium is calculated per $100 of payroll, by class
• Experience mod — your claims history versus similar businesses scales the whole premium up or down
• Carrier pricing — carriers file multipliers over DCRB loss costs; with loss costs down 11.6%, carriers differ in how quickly they pass the cut through
• Credits and programs — safety programs, dividend plans, and pay-as-you-go options move the net cost

How to get the best rate in Delaware

The rate tables are only the starting point: the carrier you land with, the accuracy of your class codes, and how your payroll is reported decide what you actually pay. We quote Delaware businesses across a dozen A-rated markets and show you the comparison — including pay-as-you-go billing that matches premium to actual payroll. See our Delaware workers’ comp guide and Delaware forms & resources for the rest of the picture.

Delaware rate FAQs

Did Delaware workers’ comp rates go down?

Yes — dramatically. The Insurance Commissioner approved an 11.6% decrease in voluntary-market loss costs (9.08% for residual market rates) effective December 1, 2025, Delaware’s ninth consecutive annual decrease.

Who sets workers’ comp rates in Delaware?

The Delaware Compensation Rating Bureau (DCRB) files loss costs by class code, approved by the Insurance Commissioner. Each carrier applies its own multiplier, so quotes differ by insurer.

Where can I see Delaware loss costs by class code?

DCRB publishes the full rating values publicly at dcrb.com, including per-class loss costs effective December 1, 2025. Reading your own class’s trend is a strong negotiating position at renewal — we do that math on every Delaware quote.