Workers comp forroofing contractors.
Residential asphalt, metal, flat, torch-down — all of it. Class code 5551 covers residential roofing and carries the highest base rate in the trades. Commercial roofing splits into different codes. Finding a carrier willing to write you at all is often the first challenge.
Roofer · Residential Asphalt · Documentary
- Real AgentNo Call Center
- Trade-FirstClass Codes Down to the Digit
- Full BookComp + Commercial
- Right CarrierMatched to Your Trade
What we see on claims
- —Falls from elevation (the defining roofing risk)
- —Heat exhaustion on summer roof work
- —Burns from torch-down and kettle operations
- —Back and knee injuries from repetitive kneeling
- —Nail gun injuries and eye strikes
What drives your rate
Roofing is the hardest trade in workers comp. Base rates are 3-4x what other trades pay. Many carriers won't write roofing at all. Those who will demand clean safety programs, OSHA fall-protection compliance, and often a higher minimum deductible. Experience mod matters more here than anywhere — a 0.85 mod vs. a 1.25 mod is tens of thousands of dollars a year.
Which one's you?
Residential asphalt roofer
6-person crew, insurance-restoration work. Primary class 5551, auto comp essential given travel.
Metal roofing specialist
Standing-seam residential and light commercial. Same class code, often better claims history than asphalt — and carriers notice.
Commercial flat-roof contractor
Torch-down, EPDM, TPO. Different class code (5547 for commercial built-up/single-ply). Higher payroll, specialized safety requirements.
Roofing-specific questions
Fall fatalities. Roofing has the highest injury and fatality rate of any trade class, so the NCCI base rate is 3-4x higher. Carriers price in both the frequency and severity of roofing claims.
Depends on your claims history, your safety program, and your state. Clean roofers with OSHA-compliant fall protection and a stable 3-year claims picture have options. Hard-to-place accounts sometimes go to the state fund or an E&S market.
Indirectly, through experience mod. Claims drive your mod; safety programs drive claims frequency. A good 3-year safety track record can cut your effective rate 20-40%.
Figures on this page are illustrative. Your premium depends on your state, class codes, payroll, experience modifier, and carrier. Nothing here is a quote or a promise of rate.