Workers' Comp Insurance for Roofing Businesses

There are almost 100,000 roofing contractors in the United States with over 285,000 employees. Many roofing companies have a hard time finding workers compensation coverage outside of their State Fund because a lot of standard markets don’t offer coverage for roofers. That’s why we’ve worked with several of our best companies to create target programs for roofers.

We’ve been helping roofers find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That’s why we’ve developed programs designed to help you get the best rates and most flexible payment options.

Pay as you go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Workers' Compensation Codes Related to Roofing

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Roofing Workers' Comp Insurance

Class Code 5551
Roofing Contractors

Class code 5551 the standard classification for most roofing contractors. It covers contractors who perform installation and repair of new and existing roofs on residential and commercial properties. Work may include flat, sloped, and builtup roofs and may include the installation or repair of joists, trusses, rafters, decks, sheathing, etc. Materials utilized may include shingles, metals, hot tar, composite materials, concrete aggregates, slate, tile or felt paper.

Class Code 8227
Construction Yard

Larger roofing companies who maintain a permanent facility or yard for material storage and maintenance of equipment will often utilize this classification on their policy for employees exclusively dedicated to the facility or yard.

Class Code 5645
Residential Construction

When roofing is performed in conjunction with the construction of a residential dwelling, by employees of the same general contractor, then roofing may be applicable to this code. Applies only to residential construction under 3 stories.

Alternative State Class Codes for Roofing Contractors:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Synonyms: roofer, sheet metal roofing, shake roofing, shingle roofing, asphalt roofing, roof coating, copper roofing, skylight installation, roof pressure washing, waterproofing, solar panel installation on roofs.

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licensed throughout the United States

How Does Workers' Comp Work?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers’ comp policy is a no-fault system that pays for these accidents and claims. It’s required by law in most states.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

How Much Does Roofing Insurance Cost?

The average rate our customers pay for workers’ compensation under the roofing class code is between $9.90 and $15.25 per $100 of payroll, depending on the state. The average state fund rate is about $29.50 per $100 of payroll. The average cost for a general liability insurance policy is about $2,800.00.

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of roofing work can modify rates
  • Premium discounts and policy credits may apply
  • GL rates for roofers are based on payroll (rated per $1000)
  • Gross revenue may affect pricing
  • The type of work done matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes 1761

How do I get started?

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What Happens Next?

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We've developed affordable insurance programs for Roofing.