NeedBizInsurance
Coverage by Profession · United States · 2026

Workers' Compensation for roofers

Workers' Compensation is typically required for roofers. Required once you have employees; roofing is among the most expensive WC classes codes due to fall risk.

Requirement
Required
Average cost
$4000.00–$12000.00/yr
Business risk
very-high
01

How workers' compensation applies

Required once you have employees; roofing is among the most expensive WC classes codes due to fall risk.

02

What affects the price

Payroll
Slope/height
Experience mod
03

Best carriers for workers' compensation for roofers

Embroker
AM Best: A
direct
professional-liabilitygeneral-liabilityworkers-compensationcyber-liability
NEXT Insurance
AM Best: A-
direct
general-liabilityworkers-compensationcommercial-autobusiness-owners-policy
Simply Business
AM Best: A
direct
general-liabilityprofessional-liabilityworkers-compensationcommercial-auto
Thimble
AM Best: A
direct
general-liabilitycommercial-autoinland-marineworkers-compensation
04

Workers' Compensation for Roofers — FAQ

Do roofers need workers' compensation?+

Yes. Workers' Compensation is typically required for roofers by law, license, contract, or client requirement.

What does workers' compensation cover for roofers?+

Workers' Compensation helps protect a roofer business from losses tied to the specific risks of the work, including claims that may not be covered by a basic policy package.

Can roofers buy workers' compensation online?+

Yes. Many carriers quote workers' compensation online for roofers, though higher-risk work, employees, vehicles, or licensed operations may require extra underwriting.

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