DCRB: Delaware Compensation Rating Bureau
Last verified: 2026-07-25 · Reviewed against the bureau's official filings and Delaware rating law — how we verify
Bureau Overview
The Delaware Compensation Rating Bureau (DCRB) is a non-profit corporation formed in 1917 under Delaware insurance law, subject to supervision and examination by the Delaware Insurance Commissioner. Its membership comprises the carriers authorized to write workers' compensation in Delaware, and it is the state's licensed rating organization in place of NCCI — collecting loss and payroll data, maintaining Delaware's classification system, and filing advisory loss costs and rating values.
Delaware is a loss-cost state: the DCRB files prospective loss costs and each carrier adds its own loss-cost multiplier to cover expenses and profit. The DCRB is administered together with the Pennsylvania Compensation Rating Bureau (PCRB), so both states publish their rating values and manuals through the same bureau infrastructure — but each files separately under its own commissioner with its own data, and Delaware's rating values are not the same as Pennsylvania's.
How Delaware rating works
Because the DCRB is a loss-cost bureau, the price a Delaware employer pays is built from the DCRB's advisory loss cost for its classification, marked up by the carrier's loss-cost multiplier, and then adjusted by the employer's experience modification and any schedule credits or debits the carrier applies. The DCRB loss cost is the shared benchmark, not the final rate, which is why quotes differ from carrier to carrier for the same class.
For Delaware's modeled per-class benchmarks and current filing context see the Delaware workers' compensation rates hub; the closely related PCRB bureau page covers the Pennsylvania side of the shared administration.
Sources
- Delaware Compensation Rating Bureau — official site (retrieved 2026-07-25)
- Pennsylvania Compensation Rating Bureau — Member Services (PA & DE) (retrieved 2026-07-25)
Frequently Asked Questions
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