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Workers' Comp Insurance for Trucking Businesses in Delaware

Local trucking (NCCI 7228) and long-distance (7229) are differentiated by operating radius. Owner-operators may be exempt as sole proprietors but most freight brokers require coverage. Loading and unloading drives most claims 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 Trucking rate in DE
$12.70
per $100 payroll
$100K payroll → annual
$12,700
estimated annual premium
Delaware bureau
DCRB
Private market

Delaware requirements for trucking 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.

Trucking class codes used in Delaware

7228 Trucking — Local Hauling Only & Drivers
$6.95-$17.69
DE typical rate
7229 Trucking — Long Distance Hauling & Drivers
$8.85-$21.48
DE typical rate
7230 Trucking — Parcel or Package Delivery — All Employees & Drivers
$7.58-$17.69
DE typical rate
7380 Drivers, Chauffeurs & Their Helpers NOC
$5.69-$13.90
DE typical rate
7219 Trucking NOC
$8.21-$18.95
DE typical rate

Why trucking workers' comp is tricky in Delaware

Trucking is heavily regulated and most carriers require strict driver qualification files. New ventures (under 3 years operating) have very limited markets. We can place new ventures and rough loss histories.

Tips for Delaware trucking companies

  • ✓ Local vs long-haul = different rates; document operating radius
  • ✓ Driver qualification files are required for renewal — keep them current
  • ✓ Pay-as-you-go aligns premium with seasonal freight cycles
  • ✓ Owner-operators may be exempt depending on state

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Trucking workers' comp in other states

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

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