BENEFITRA
This free tool takes the guesswork out of understanding your cost of risk audit. Instead of trying to piece together information from multiple sources or waiting for a broker callback, you can get clear numbers in about two minutes.
Enter your information below — no account needed, no email required. The results will give you a solid starting point for making informed decisions about your benefits strategy.
BENEFITRA
Get a complimentary Cost of Risk Audit — a 45-minute financial health check of your entire roofing coverage program.
Request Your Free AuditAre you in the right class codes? Is your EMR accurate? We verify the NCCI worksheet line by line — errors here cost thousands.
Do your limits meet current GC requirements? With trends pushing to $3M/$5M aggregate, many roofers are underinsured without knowing it.
Are you covered after the job is done? Roof leaks discovered 2 years later still come back to you. We check for gaps in your completed ops coverage.
Is your fleet properly scheduled? Hired and non-owned auto gaps are one of the most common exposures we find in roofing programs.
Tools and equipment on job sites are vulnerable to theft, damage, and weather. We verify your inland marine coverage matches your actual equipment value.
Are your umbrella limits sufficient for your contract requirements? One serious claim can exceed primary limits. We ensure your excess layer is adequate.
Are your subs actually protecting you? We review your sub agreements, COI requirements, and additional insured endorsements for gaps.
Where is your experience mod heading and why? We project your next EMR based on current open claims and show you how to change the trajectory.
Are open claims being managed to minimize EMR impact? We review every open claim for settlement strategy, reserve accuracy, and closure timeline.
What's missing that could put your business at serious financial risk? We identify uninsured exposures most roofing contractors don't know they have.
Fill out the form below and we'll schedule your complimentary 45-minute Cost of Risk review.
The true cost of risk is more than insurance premiums. It includes claims, retained losses, administrative burden, and the inefficiencies that build up when a program is never examined as a whole. A cost-of-risk audit pulls those pieces together so an employer can see the full picture and where it is leaking money.
The value of the audit is clarity: once the total cost of risk is visible, the highest-leverage fixes, in coverage, structure, or safety, become obvious rather than buried across separate line items.
Key points:
For broader context, see SHRM's benefits and compensation resources.
Pair the audit view with the Benefits ROI Calculator and the Benefits Savings Strategy Builder to act on what it surfaces.
The full picture of what risk costs you: premiums, claims, retained losses, and administration, not just the insurance bill.
Because the total is usually spread across separate line items, hiding the biggest opportunities. An audit makes them visible.
A clear view of total cost and the highest-leverage fixes in coverage, structure, and safety.
Reviewed by Sam Newland, CFP, Founder of Benefitra. Last updated June 2026.