Group 49

Enforcement

The Office of Workers’ Compensation ensures that employers maintain required insurance coverage and comply with Delaware law. For questions, contact our team directly — we’re here to help businesses stay compliant and protect their workers. 

Stay Compliant

Risk of Non-Compliance

  • Employers are required by law to carry workers’ compensation insurance for their employees.
  • Failing to do so can lead to fines, stop-work orders, and potential legal action.
  • Without valid insurance, employers are personally responsible for all costs related to a workplace injury or illness, including medical bills and lost wages.
  • Keeping coverage current protects both your employees and your business.

Contact Us

Maintain Coverage

Explore tools and resources designed to help employers maintain insurance coverage and comply with Delaware Law.

Employer Insurance Requirements

Understand Delaware's mandatory workers' compensation insurance requirements, verify coverage obligations for your business, and maintain compliance with state law.

First Report of Injury

File a First Report of Injury and submit to OWC. Employer must submit this report within ten days of notification of the injury per the Workers' Compensation Act.

Laws & Regulations

View workers' compensation statuses, rules, regulations, annual reports, and rate information.

Resources

Access Delaware workers' compensation forms, guides, and compliance resources.

Delaware Workers’ Compensation Requirements

All employers with employees working in the state must carry a Delaware Workers’ Compensation policy.

Employers must provide one of the following:
  • A Delaware workers’ compensation policy covering all work performed in Delaware, or
  • An out-of-state policy with a written endorsement that specifically includes Delaware coverage.

 

  • Delaware must be listed in Section 3A of your policy.
  • “All other states” coverage does not meet Delaware requirements.
  • Certificates of Liability are not accepted as proof of coverage.
  • Submit a copy of the Declaration Page or the full workers’ compensation policy as valid proof.
Your insurance carrier must:
  • Have a Certificate of Authority issued from the Department of Insurance
  • Be qualified by the Delaware Office of Workers’ Compensation
  • Be a member of the Delaware Compensation Rating Bureau

Call (302) 761-8200 (Option #1) and ask for a Labor Law Enforcement Officer.

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Get in Touch

Do you have questions or need assistance? Fill out the form below, and we'll respond within 48 hours.

Get in Touch!

Do you have questions or need assistance? Fill out the form below, and we'll respond within 48 hours.

We’re here to help

Your services are essential to Delaware’s Workers’ Compensation system. Join us in upholding the Gold Standard of care for injured workers.
Hours of operation (8:00 a.m. – 4:30 p.m.)

DOL_DIA_WC_Compliance@delaware.gov

Main: (302) 761-8200 (Option #1)