Roofing Workers' Comp Insurance
We've developed the best insurance programs for roofing contractors.
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Give us a call today at 888-611-7467
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.
We partner with the best carriers writing roofing coverage.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top Roofing Insurance Companies
AmeriSafe Insurance Company is a specialty carrier who write hard to place risks. They offer good rates and loss control services.
Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for roofing contractors.
Benchmark excels at covering a broad range contractors, residential roofers and commercial roofing contractors.
UBIC offers excellent rates as well as loss control and safety resources for roofing businesses.
Cimarron is a fast growing insurance company providing Pay As You Go coverage in many high-risk class codes.
Normandy Insurance is a diverse, fast growing insurance company underwriting a broad range of risk classes and industries.
Pie Insurance is one of the newest national insurance companies. They have leveraged technology and offer low rates on coverage.
ICW specializes in workers compensation coverage for a broad range of well-managed industries and class codes.
FankCrum Insurance quotes a broad range of risks and often has lower rates on roofing insurance. They also quote new ventures.
Shop coverage like a Pro.
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.
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.
| Class Code | State |
|---|---|
| 5552 | Roofing Contractors | California |
| 659 | Roofing- All Kinds | Delaware / Pennsylvania |
| 5545 | Roofing Contractors | New York |
related: 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.
Workers Compensation Shop.com is a national Agency, licensed throughout the United States.
Get the Best Roofing Insurance Coverage
A lot of small roofing businesses are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of roofing business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing roofing insurance since 2005.
| Program Features |
|---|
| No Minimum Premium Requirements |
| Pay As You Go Work Comp - $0 Deposit |
| Guaranteed Cost and Deductible Options |
| National Roofing Insurance Expertise |
| More Markets for More Solutions We shop renewals too |
| Commercial Package Insurance Options |
What Does Workers' Comp Cover?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
Lower Your Roofing Insurance Cost
The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for roofing contractors:
Workers' Compensation and Employers Liability
Roofing Liability Insurance
Commercial and Personal Property
Umbrella Liability and more
Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.
Start a quote online or give one of our specialists a call at 888-611-7467.
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.
Workers' Comp Costs
- 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
General Liability Costs
- 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
Then there's Trusted Service.
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How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
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Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
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