Workers’ compensation in Middletown, DE, is designed to protect both employees and employers in the event of a work-related accident. This insurance helps cover lost wages and medical expenses, reducing the risk of liability lawsuits. However, it can also be an additional expense for business owners. If you own a business in Delaware, there are several legal requirements you should be aware of.

Often Legally Required

Delaware prioritizes the well-being of its workforce. Most businesses, including those with just one employee, are required to carry workers’ compensation insurance. This mandate is outlined in Title 19 of the Delaware Code. Workers’ compensation insurance must include coverage for medical expenses, disability benefits, lost wages, and other necessary costs resulting from workplace injuries.

Risky Industries

Certain jurisdictions may require additional coverage for workers in high-risk industries, such as construction. For example, businesses in these industries may need to provide higher death benefits due to the increased risk of fatal accidents. It’s essential to review state laws and local regulations to ensure compliance with these requirements.

Sole Proprietors

Sole proprietors, who are often the sole owner and employee of their business, are typically not required to carry workers’ compensation insurance. However, many choose to purchase individual coverage to protect themselves in case of an on-the-job accident. A professional agent at Blue Hen Insurance LLC can help you explore your options for coverage.

At Blue Hen Insurance LLC, we recognize the importance of complying with legal requirements. Our experienced representatives can guide you through the process of obtaining workers’ compensation coverage. Contact us today to get started. We proudly serve the Middletown, DE, area.