Roofing Contractors Insurance
Workers Compensation Insurance
for Roofing Contractors
Roofing has one of the highest workplace fatality rates of any trade. Falls, heat exhaustion, and nail gun injuries are real and common risks. Workers compensation is legally required for roofing companies with employees in virtually every state and covers all medical costs and wage replacement after an on-the-job injury.
Industry-Specific Insight
Why Roofing Contractors Businesses Need Workers Compensation Insurance
Roofing has one of the highest workplace fatality rates of any trade. Falls, heat exhaustion, and nail gun injuries are real and common risks. Workers compensation is legally required for roofing companies with employees in virtually every state and covers all medical costs and wage replacement after an on-the-job injury.
Coverage Details
What Workers Compensation Insurance Covers
Key protections included in a workers compensation policy for roofing contractors operations.
FAQs
Common Questions from Roofing Contractors Businesses
Why is workers comp so expensive for roofers?
Roofing is classified as one of the highest-risk trades due to fall hazards. Workers comp rates reflect that risk. Maintaining a strong safety program and low claims history reduces your experience modification and lowers costs over time.
Can subcontractors be covered under my workers comp?
Subcontractors who don't carry their own workers comp may be treated as employees by the insurance company — meaning you could be responsible for covering them. Always require subcontractor certificates of insurance.
Is workers compensation required?
In most states, yes — businesses with one or more employees are required to carry workers comp. Requirements vary by state and sometimes by industry or number of employees. A licensed agent can clarify what applies in your state.
What happens if I don't carry workers comp and an employee is injured?
You could be personally liable for the employee's medical costs and lost wages, face significant fines, and be exposed to a lawsuit. The financial and legal exposure of operating without required coverage is substantial.
Complete Coverage
Other Coverages Roofing Contractors Businesses Commonly Need
A complete protection plan for roofing contractors operations typically includes several complementary coverages.
Roofing Contractors · Workers Compensation
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