Premium Credits Remain Stable as DCCPAP Participation Declines Across Delaware’s Construction Industry
The Delaware Construction Classification Premium Adjustment Program (DCCPAP) provides premium credits to construction employers that pay higher wages, helping ensure a more equitable distribution of workers’ compensation costs across classifications. To evaluate how the program is performing, DCRB analyzed DCCPAP 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 wage-based adjustments align with observed experience across Delaware’s construction industry.
18%
The average DCCPAP premium credit has remained near 18% in recent years.
What’s in the report
- The share of eligible businesses participating in the program has decreased consistently, with participation levels in recent years significantly below earlier periods.
- The level of premium credit provided to participating employers has held steady over time, even as fewer businesses utilize the program.
- Participation is concentrated among larger employers, reflecting greater potential premium impact and benefit from the program.