Experience Rating Plan
Aligns premiums with an employer’s actual loss experience, rewarding effective safety practices through actuarially sound, consistent adjustments.
Ensuring Equity, Accuracy, and Accountability in Workers’ Compensation Pricing
By administering and supporting these plans, DCRB helps carriers price policies responsibly, enables employers to understand how their experience and practices affect premium outcomes, and ensures regulators can rely on transparent, objective standards. Together, these plans reinforce confidence in Delaware’s workers’ compensation system and support a stable, equitable marketplace for all stakeholders.
Merit Rating Plan
Provides simplified premium adjustments for qualifying employers, recognizing favorable loss performance within a standardized, equitable framework.
Schedule Rating
Allows limited premium adjustments for individual risk characteristics while maintaining consistency, transparency, and systemwide fairness.
Delaware Workplace Safety Program
Incentivizes workplace safety by providing premium credits for certified safety committees that meet established program standards.
Construction Classification Premium Adjustment Program
Premium credit program for Delaware construction employers paying above-average wages; supports equitable, experience-based pricing.