Professional services
Roofing Insurance Calculator
Insurance cost for a roofing contractor, the trade with among the highest rates there are.
Result
An estimating tool, not insurance advice and not a quote. Underwriting sets real premiums on claims history, exact operations and contract requirements. What cover you need is a question for a licensed broker. Roofing carries the highest workers compensation rates of any common trade because of fall exposure, and general liability is priced accordingly. Many insurers decline the class outright or require specific fall protection programmes, so the market is thin and pricing volatile. Uninsured subcontractors are commonly added to your payroll base at audit, which produces large adjustments. Collect certificates before work starts.
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About this calculator
Why is roofing insurance so expensive?
Falls. Roofing has among the highest injury severity rates of any trade, so workers compensation rates of 15% to 30% of payroll are normal rather than exceptional.
Can I reduce it?
A documented safety programme, a clean claims history and a low experience modifier all help materially, and some insurers will not quote at all without the first. The rate is not negotiable but the modifier is earned.
The formula
general liability on revenue, workers compensation on payroll at the class rate, plus commercial auto per vehicle
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