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Workers' Comp Insurance for Retail Businesses in Delaware

Retail (NCCI 8017 NOC) is one of the lowest-risk class codes outside of office work. Specialty retail (clothing 8008, jewelry 8013, hardware 8010) may have their own codes with slight rate variation in Delaware. The Delaware workers' compensation market is governed by DCRB, and the average rate statewide is approximately $1.39 per $100 of payroll.

Avg Retail rate in DE
$2.46
per $100 payroll
$100K payroll → annual
$2,464
estimated annual premium
Delaware bureau
DCRB
Private market

Delaware requirements for retail businesses

When required: Required for any employer with one or more employees.

Sole proprietors: Sole proprietors are exempt unless they elect coverage.

Owner / officer exclusion: Officers/LLC members may be excluded with rejection form.

Retail class codes used in Delaware

8017 Store — Retail NOC
$1.26-$4.42
DE typical rate
8008 Store — Clothing or Apparel
$0.76-$2.53
DE typical rate
8010 Store — Hardware
$1.90-$5.31
DE typical rate
8013 Store — Jewelry
$0.38-$1.14
DE typical rate
8044 Store — Furniture
$1.90-$5.05
DE typical rate

Why retail workers' comp is tricky in Delaware

Retail with significant warehouse or stocking exposure can be reclassified — pure storefront vs warehouse distribution have very different rates.

Tips for Delaware retail stores

  • ✓ Pure storefront retail = lowest rates
  • ✓ Stockroom/warehouse exposure may trigger 8292
  • ✓ Holiday seasonal employees should be reported separately

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Retail workers' comp in other states

Rates and requirements for retail stores vary widely by state. Compare Delaware to other major markets:

Retail in California $1.45 Retail in Texas $1.04 Retail in Florida $1.42 Retail in New York $1.41 Retail in Pennsylvania $1.27 Retail in Illinois $1.66 Retail in Ohio $0.74 Retail in Georgia $1.06

Other industries in Delaware

Delaware workers' comp rates and requirements for other common industries:

Construction in DE 9 class codes Roofing in DE 1 class code Plumbing in DE 3 class codes Electrical in DE 3 class codes HVAC in DE 2 class codes Painting in DE 3 class codes Landscaping in DE 3 class codes Restaurants in DE 4 class codes

More Delaware workers' comp resources