Evaluating the Impact of Delaware’s Workplace Safety Program
The Delaware Workplace Safety Program (DWSP) provides premium credits to employers that demonstrate effective safety practices through certified inspections conducted under the oversight of the Delaware Department of Insurance. To evaluate how the program is performing, DCRB analyzed DWSP experience across policy years 2006 through 2022.
This report examines participation levels, credit application, policy characteristics, and loss experience for participating and non-participating employers. By analyzing long-term trends, the report provides insight into how the program influences premium outcomes and how safety-based incentives align with observed loss experience across Delaware’s workers’ compensation system.
12%
Participating employers received an average safety credit of approximately 12% over the study period.
What’s in the report
- Program participation increased during periods of higher rates but has trended downward in recent years alongside sustained rate reductions.
- While participating employers receive consistent premium credits, experience indicates that smaller credits—or even debits—would be required to align with underlying loss experience.
- Despite volatility among participants, overall loss ratios are broadly comparable, reflecting a balanced outcome across the system.