Classification Research
Easily find the correct classification code for a job, operation, or business type.
Helping You Get It Right, Every Time
Whether you’re an agent assigning a code, an employer reviewing your premium, or a carrier submitting a policy, understanding the correct classification is critical to ensuring fairness and accuracy in workers compensation insurance.
At DCRB, we maintain Delaware’s workers compensation classification system, a structured, rule-based set of codes that help determine the appropriate premium based on the type of work being performed.
Our goal is to make this system clear, consistent, and easy to navigate, so you can:
- Select the right classification with confidence
- Avoid misclassifications
- Support accurate pricing, experience rating, and compliance across the board
The classification system doesn’t just serve the industry—it serves you, by making the process more predictable, equitable, and transparent.
Classification Resources
Classification Inquiry Form
Not sure which code to use? Request a classification review from our team.
Ownership (ERM-14) Form
Required form for ownership changes, additions, or combinability.
Volunteer Fire Company Form
Required form for classifying volunteer fire operations.
Coded: Delivering Clarity and Ensuring Accuracy
Coded is our quarterly newsletter for member insurers and their underwriting and premium audit professionals. This insight-driven publication helps members navigate the complexities of workers compensation classification and audit practices through practical guidance, timely updates, and expert perspectives.
Subscribe to receive Coded and other DCRB news here.
Why Classifications Matter
Workers’ compensation classification codes are a fundamental component of the premium determination process. Each classification is designed to reflect the nature of an employer’s business operations and the relative level of risk associated with those operations. Accurate classification supports the integrity and fairness of the workers’ compensation system.
Stakeholders rely on classification codes to:
- Facilitate regulatory oversight and market analysis through the use of standardized, reliable data.
- Determine premium accurately by aligning rates with the exposure and hazards inherent in specific types of businesses.
- Promote uniform application of rules by ensuring that employers with similar operations are classified consistently across the system.
