FAQ


Why do I have to purchase workers’ compensation?

As a licensed trainer you are operating an independent business and are required to provide proof of workers’ compensation insurance to occupy stall space at Delaware Park.

What are the penalties for not accurately reporting payroll or allowing my coverage to lapse?

All workers’ compensation policies are subjected to payroll audits that could result in further premium assessment. As an independent business owner you are required to carry workers’ compensation to protect you and your company from being sued for the medical expenses of employees injured under your employment scope. Consult with the Delaware Department of Insurance for further serious fines and penalties associated with lack of compliance with workers’ compensation laws.

What rate will I be charged by the DTHA workers’ comp program?

Your rate will be charged based on a per stall per day basis and will be billed on a monthly basis. Every trainer’s daily rate will be slightly different depending on how much employed help they have per stall.

The goal of the program will be to provide a 15% to 20% savings based on expected exposure from the prior year. You will still be required to complete the workers’ comp audit at the end of the policy period, but you will not owe anything additional.

Why is the DTHA plan a better deal for me than my current workers’ compensation plan?

Delaware Park has put up $1,300,000 to serve as collateral in case claims under the DTHA workers’ comp plan are larger than projections. The DTHA loss fund is reinsured so that no one claim will cost the fund more than $300,000. All premium dollars paid into the DTHA plan will go into the DTHA loss fund. Expected surpluses will be used to responsibly lower workers’ comp rates in the future.

Why did the DTHA choose MOC Insurance Services and AIG to administer this plan?

MOC and AIG partnered on the California workers’ compensation plan that has proven to be extremely successful. California has gone from the highest rates in the nation to the lowest in less than 5 years under this plan. MOC is a specialized agency that understands all aspects of how the horse racing industry operates and insurers a wide array of thoroughbred horse racing entities nationwide, including nearly every jockey when they are injured on-track.

- DTHA FAQ (PDF File)