Index of State of Delaware Business Licenses and Registrations
The Office of Workers’ Compensation administers and enforces state laws, rules and regulations regarding industrial accidents and illnesses.
What is Workers’ Compensation?
Workers’ Compensation is a system, created by the Delaware Legislature, which provides benefits to workers who are injured or who contract an occupational disease while working. The benefits include medical care, temporary disability payments and compensation for a resulting permanent impairment. In the event of the death of an injured worker, benefits are payable to the family of the worker. Benefits may be paid voluntarily or it may be necessary to petition the Office of Workers’ Compensation for relief.
Employers with one or more employees are required to carry workers’ compensation insurance. Employers may not charge an employee any portion of the premium or expense of carrying workers’ compensation insurance.
Farm workers are exempt from the workers’ compensation statute; however, these employers may elect to provide coverage.
Workers considered to be independent contractors, rather than employees, are not covered. Employers in the construction industry cannot be considered independent contractors, but shall be deemed to be an employer. Workers’ Compensation benefits include medical care, temporary disability payments and compensation for a resulting permanent impairment. In the event of the death of an injured worker, benefits are payable to the family of the worker.
The Delaware Department of Insurance offers Delaware employers an opportunity to lower workers’ compensation insurance premiums by participating in the Delaware Workplace Safety Program, for more information visit this site: http://delawareinsurance.gov/services/workplacesafetydiscount.shtml
What should an employer do if an employee is injured?
Who pays benefits?
Can an employer take action against a worker for filing a claim?
How does an employer purchase workers’ compensation insurance? Employers may purchase workers’ compensation insurance from any insurance carrier or agency that is licensed to write in Delaware. If unable to secure coverage through the voluntary market, contact the Delaware Compensation Rating Bureau, to be placed in the assigned risk/residual market.
Office of Workers’ Compensation can be contacted by phone at 302-761-8200.
Search for Employers’ Workers Compensation Insurance Policies: http://dia.delawareworks.com/workers-comp-search.php
This search covers most of the frequently requested licenses, certifications, registrations, and filings that the State of Delaware requires. However, this is not a fully exhaustive list of every possible requirement. Please consult with the appropriate state agencies to find out if there are additional requirements you must fulfill.