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How Does Delaware Employee Insurance Work?

Over 1 million businesses call Delaware home for its business friendly and employee protective laws. While there are many other assets that make Delaware attractive to the business world, Delaware employee insurance laws are some of the best. Employee insurance, also called worker’s compensation insurance, protects both employers and employees from the financial ruin of workplace accidents.

It helps ensure injured workers get immediate medical attention while encouraging business owners to provide a safe work environment. Injured workers get the care they need at no cost in exchange for not suing their employer in the future and business owners don’t have to pay for the cost of workplace injuries out of pocket.

While it can be a little confusing it seems like an even trade. Everyone enjoys protections under the law. Here’s what you need to know about Delaware employee insurance and how it works.

Who is required to carry it?

Almost any company with an employee is required to carry worker’s compensation insurance by law but there are some exemptions. For example, sole proprietors are typically not required to carry worker’s compensation if they have no employees. Farm workers are an exception as farming businesses are not required to carry worker’s compensation insurance, but they may choose to do so to protect their business.

What does it pay?

Delaware employee insurance covers medical costs incurred by a worker who is injured on the job. It will pay for medical care and ongoing treatment such as physical therapy if it is required. Worker’s compensation insurance will also pay for all medications, transportation costs for necessary medical care, and a portion of the employee’s lost wages if they are out of work for an extended period of time.

Delaware is a no-fault state meaning that employee insurance will pay benefits regardless of who is at fault in the accident. The only exception is if an accident occurs because of drug use or an intentional act. In the tragic event of a disability or fatality, the insurance company may pay a lump sum benefit.

What To Do After an Injury

The first thing to do after an injury at work is to seek immediate medical care for the injured worker. The employer should notify the injured worker of any network requirements regarding specific physicians or pharmacies they should visit. As soon as possible or within 10 days, the injured worker should notify their employer of the accident in writing. Details about how or why the accident occurred along with the injuries that resulted, and the physician’s care instructions should be included in the written notification.

Get a Free Quote Today

If you are starting a business or interviewing your first employee, get a free quote on Delaware employee insurance today. This specialized insurance is an asset that helps protect businesses and their employees from tragedy. There are stiff penalties for operating without the required worker’s compensation insurance which only increases your risk of financial loss. If you own a company in the business friendly state of Delaware, get a free quote on worker’s compensation insurance today and protect your biggest asset.


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