Premium Credits Remain Stable as DCCPAP Participation Declines Across Delaware’s Construction Industry
The Delaware Construction Classification Premium Adjustment Program (DCCPAP) is designed to help ensure equity within the construction industry by providing premium credits to employers that pay higher wages, while maintaining balance through offsetting adjustments within construction classifications. To evaluate how the program has performed over time, the Delaware Compensation Rating Bureau analyzed DCCPAP experience across policy years 2006 through 2021.
This report examines participation trends, credit levels, policy size, and loss experience for participating and non-participating employers. By reviewing more than 15 years of data, the analysis provides insight into how the program has evolved alongside changes in the construction market and how it continues to influence workers’ compensation premium outcomes in Delaware.
18%
The average DCCPAP premium credit has remained near 18% in recent years.
What’s in the report
- While the number of eligible construction policies has remained relatively stable, the share of employers participating in the program has decreased consistently since 2006.
- The level of credit provided to participating employers has shown little volatility over time, even as fewer businesses utilize the program.
- Participating employers tend to have significantly higher average policy size than non-participants, reflecting a greater potential benefit from premium adjustments.