Delaware self-insured private plan bonds.
From $100.
An employer that self-insures an approved private plan in place of Delaware's Paid Leave program must furnish a bond running to the State, filed with the Division of Paid Leave. It is sized at one year of the contributions the plan would otherwise owe. Our premium is 1.5% of the bond amount, $100 minimum.
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How much does a Delaware self-insured private plan bond cost?
1.5% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
Nothing here waits on an underwriting queue — enter the amount your CPA or actuary computed, pay, and upload the executed bond with your private plan application. Here is the whole thing:
Apply online
Your company details, years in business, the bond amount your private plan filing requires, and the effective date — plus a one-time consent that authorizes a soft credit pull.
Pay & e-sign
Your price is final at checkout — 1.5% of the bond amount, $100 minimum. The application includes a credit consent, but it authorizes a soft credit pull only — a soft inquiry that never affects your score. One soft credit pull, never a hard inquiry, and it never affects your score.
File with the Division of Paid Leave
Your executed bond and power of attorney arrive by email, ready to upload with your self-insured private plan application alongside the plan documents and proof of the pre-funded claims account. Wet-ink originals mailed on request.
What it is and who needs it.
What the self-insured private plan bond actually guarantees
The Healthy Delaware Families Act (19 Del. C. ch. 37) created a statewide paid family and medical leave program: contributions began in 2025 and benefits in 2026, funded by a contribution of 0.8% of covered wages for 2025–2026 — 0.4% for medical leave, 0.32% for parental leave and 0.08% for family caregiving — capped at the Social Security wage base, with employers permitted to deduct up to half from employee wages. An employer may substitute a private plan under 19 Del. C. § 3716 if it gives employees rights and benefits at least as favorable as the state program. That plan can be fully insured through an approved carrier or employer self-insured — and only the self-insured route requires this bond.
The bond is the Division's backstop for contributions the state fund never received. On the Division's form you are the principal, the surety carrier stands behind you, and the State of Delaware Department of Labor, Division of Paid Leave is the obligee. If your self-insured plan is terminated, decertified or withdrawn — voluntarily or not — and you fail to pay, within 30 days, an amount equal to the contributions that would have been due for the previous 52 weeks, the Division may execute on the bond, and the surety pays the full bond amount less whatever you already paid. It is not insurance for you: if the surety pays, you repay the surety.
A self-insured plan carries obligations the bond does not replace. The Division's rules expect at least 100 covered individuals, a dedicated pre-funded claims account, quarterly enrollment, wage and hour reporting within 30 days of each quarter's end, and an annual re-application — private plans end December 31 whatever date they started. Keep the bond in force for the life of the plan: the surety may only cancel after the initial one-year approval period, and then only on 90 days' written notice to you and to the Director of the Division of Paid Leave. If your covered headcount falls below 100 at renewal, the plan is decertified and the 52-week contribution bill comes due.
You need this bond if you are
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with the Division of Paid Leave. Your executed bond and power of attorney arrive by email, ready to upload with your self-insured private plan application alongside the plan documents and proof of the pre-funded claims account. Wet-ink originals mailed on request.
What sets the price
The premium is 1.5% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — company details, the bond amount your filing requires, an effective date, and a consent that authorizes a soft credit pull only.
Start the application →Common questions.
Other Delaware bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Private plan waiting on one filing.
1.5% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.