Do I need Workers' Compensation insurance?
Yes, if you have one or more employees in Delaware, you are legally required to carry Workers’ Compensation insurance. It protects your workers and your business, and not having coverage can lead to fines and penalties.
Yes, in the state of Delaware, all employers with one or more employees are legally required to carry Workers’ Compensation insurance. This applies to both full-time and part-time employees. The insurance provides financial protection for both the employee and employer in the event of a work-related injury or illness.
Having a valid policy ensures that injured workers receive medical care and wage replacement benefits, while also protecting your business from costly lawsuits. Failure to carry Workers’ Compensation coverage can result in significant penalties, including daily fines, stop-work orders, and the suspension of business operations. Even if you only have one employee, maintaining coverage is essential for compliance and workplace safety.
If you’re unsure whether your current policy meets state requirements, you can contact the Delaware Office of Workers’ Compensation for guidance.