Delaware Workers Compensation Insurance Plan
Rules, eligibility standards, and operating procedures for Delaware’s residual market administration, coverage, and compliance.
What is the Residual Market?
The residual market serves as a safety net within Delaware’s workers’ compensation system. It provides access to coverage for employers who cannot secure insurance through the voluntary market due to risk characteristics, loss history, or other underwriting considerations.
Participation in the residual market ensures that all employers subject to Delaware workers’ compensation requirements can obtain coverage and remain compliant with state law.
DCRB’s Role in the Residual Market
DCRB administers Delaware’s residual market through the Delaware Workers Compensation Insurance Plan (DE WCIP), which establishes the rules, procedures, and carrier participation requirements governing residual market operations. DCRB serves as a neutral, objective organization responsible for:
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Overseeing residual market operations
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Establishing and maintaining consistent procedures
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Supporting accurate assignments and reporting
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Providing guidance and resources to system participants
DCRB does not underwrite policies or set individual employer premiums. Its role is administrative and oversight-focused, ensuring the residual market operates fairly, transparently, and in accordance with governing rules.
Obtaining Coverage
Residual market coverage is assigned through an established process designed to distribute risk equitably among participating carriers. Assignments are based on standardized procedures and rely on accurate, complete information provided at the time of application.
This structured approach helps maintain balance within the system while ensuring employers receive timely access to required coverage.
Next Steps
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Work with an agent or broker to assist with establishing coverage
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Review applicable guidance and resources
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Contact DCRB for additional information or support: (215) 320-4420 or dipm@dcrb.com.
Residual Market Resources
Workers Compensation Insurance Plan Handbook
General instructions, rules, and procedures governing participation, eligibility, and compliance within the residual market.
Delaware Insurance Plan Manager (DIPM)
Online application used by agents and carriers to submit, manage, and track Delaware Insurance Plan applications efficiently for residual market.
Inclusion Endorsement
Used to include sole proprietors and partners under workcomp coverage when otherwise excluded by default under Delaware rules.
Executive Officers/LLC Exclusion Agreement
Used to exclude executive officers and LLC members from workcomp coverage in accordance with Delaware rules and plan.
Supplemental Application – Trucking
Required for new business trucking operations seeking coverage through the residual market.
What is your role?
Employers
The residual market provides a path to required workers’ compensation coverage when insurance is not obtainable in the voluntary market. Participation ensures continued compliance with Delaware law and protection for employees. Employer should provide complete and accurate information.
Agents & Brokers
Agents and brokers play a critical role in assisting employers with residual market placement. This includes submitting required information accurately and supporting employers throughout the coverage process. Agents and brokers should:
- Submit applications accurately and promptly
- Assist employers in understanding coverage placement
- Support ongoing compliance and communication
Need Help?
We’re here to support your navigation of the residual market. Contact us at (215) 320-4420 or dipm@dcrb.com.