A Data-Driven Snapshot of Delaware’s Workers’ Compensation System
The 2025 Delaware State of the Line Report offers an actuarial perspective on market conditions, combining premium, payroll, claims, and pricing analysis to define the current state of the system. Built on validated data and long-term trend evaluation, the report provides carriers with a clear foundation for underwriting strategy, pricing decisions, and performance evaluation.
-69.8%
-Cumulative loss cost decline (2016–2025) reflecting significant long-term reductions in system costs
What’s in the Report
- Long-term cost reductions are substantial: Sustained declines in claim frequency have driven meaningful decreases in loss costs.
- Exposure growth is outpacing premium trends: Payroll growth continues despite declining rate levels, reshaping the premium landscape.
- Market conditions are stabilizing: Residual market trends and profitability metrics suggest a system adjusting toward equilibrium.