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BENEFITRA for Roofing Contractors

What you'd save with BENEFITRA on workers' comp

Year 1 is concrete (our preferred-carrier rate placement). Years 2–3 depend on your claims trajectory — model both below.

After EMR is applied — the big number on your declarations page
Monopolistic states (OH, ND, WA, WY) are excluded — different system
Your year-1 savings (concrete, not a range)
$13,000in year 1
Our preferred-carrier placement · For Florida-based roofing contractors
Years 2–3 with claims improvement: model your claims trajectory below — Lever 3 projects how a safer crew compounds the savings.
Our preferred-carrier placement rate is locked in every year we place you. Year 1 is concrete because no claims-improvement is assumed yet; years 2–3 add EMR-driven savings on top of the same placement, as your manual rate drops with your mod.
Talk to a roofing-WC specialist Model years 2–3 ↓

Let's see how much more you could save by controlling your claims. ↓

Lever 1 — Your EMR & Company
Where you stand today
Your EMR is the single biggest WC lever. We need three additional inputs to project where your number lands over the next three years and where the savings come from. Find your EMR on your NCCI mod worksheet, your declarations page, or by asking your current broker.
Lever 2 — Recent Claims History
What happened in recent years?
Your recent claims history sets the baseline. NCCI uses 3 years of claims data (excluding current year) to calculate your EMR. You can enter 3 or 5 years for better context.
YEAR
CLAIMS FILED ?Number of workers' comp claims filed. Frequency matters more than severity in EMR calculations because it reflects controllable safety practices. Each additional claim can raise your EMR by 0.03–0.10 depending on company size.Source: NCCI ABCs of Experience Rating; Vertikalrms.com 2025
TOTAL INCURRED ($) ?Total incurred cost of all claims for that year — includes medical, indemnity (lost wages), and reserves. Check your loss runs from your insurer. NCCI splits claims at a state-specific "split point" ($9,500–$38,000) into primary and excess losses. Primary losses (below split) are weighted 100%; excess losses are weighted less.Source: NCCI split point methodology, effective 2024
2025
2024
2023
Lever 3 — Model Your Future
What if your claims change in 2026–2028?
This is where it gets powerful. Enter theoretical claims for the next 3 years to see how your EMR and premiums could shift. Pick a preset or enter your own numbers.
YEAR
PROJECTED CLAIMS ?How many claims do you expect? For reference: the national average for roofing is ~4.5 claims per $1M payroll per year. A strong safety program with toolbox talks, fall protection, and crew training can cut this by 35–60% over 2–3 years.Source: BLS Injuries in Construction 2023; industry safety studies
PROJECTED COSTS ($) ?Expected total incurred cost of claims. Faster claims reporting (within 24hrs) reduces average claim cost by 18–30%. Dedicated claims management reduces severity through early intervention, return-to-work programs, and medical network access.Source: NCCI Claims Reporting Study 2023; industry safety data 2024
2026
2027
2028
Your Projection
EMR Trajectory & Savings Forecast
Based on your inputs, here's how your EMR and premiums could change. Toggle between your current carrier and what BENEFITRA could save you on top of the EMR improvement.Based on your inputs, here's how your EMR drives your premium up or down over the next three years, using your state's actual rates.
All projections show a 90% confidence range — your actual EMR will most likely fall within the band shown. ?We model EMR changes using NCCI's published methodology with state-specific rates and split points. The range accounts for proprietary weighting factors we can't access exactly. Larger companies see tighter ranges because their claims data is more statistically credible.Source: NCCI Experience Rating methodology; state DOI filings

Annual Premium Projection

How your workers' comp premium changes vs. your current carrier rate

Current 2026 2027 2028
The BENEFITRA Advantage
What changes when you work with us
BENEFITRA combines technology, advisory, and access to preferred carrier programs that most standalone contractors can't get on their own. Here's the difference.
On Your Own
Your EMR directly sets your premium
One bad claim can spike EMR for 3+ years
You manage claims reporting & follow-up
Limited leverage with carriers
Safety program = your responsibility
Pay-as-you-go not always available
With BENEFITRA
Access to preferred programs — group rate structures that reduce your effective mod
Claims volatility protection — structures that buffer the impact of any single claim
Dedicated claims management — faster reporting, better outcomes, lower severity
Volume carrier access — preferred pricing across thousands of covered employees
Built-in safety programs — OSHA compliance, toolbox talks, crew training
Pay-as-you-go billing — improve cash flow, no annual audit surprises
RESEARCH SAYS
Companies that use integrated risk management and group-rate structures see an average ROI of 27.2% based on cost savings alone, with average savings of $1,775 per employee per year. Workers' comp premiums specifically drop an average of 22% within the first 12 months. Safety programs reduce injury frequency by 35–60% over 3 years. Sources: NAPEO 2024 White Paper; PRNewswire ROI Analysis; Industry Safety Impact Studies
BENEFITRA's Roofing Tools
Tools built to lower your EMR
Each one is a real deployed tool or downloadable asset — click to dig in.

Want to see your actual numbers?

This calculator uses estimates. Our advisors will pull your actual NCCI mod worksheet, review your loss runs, and show you exactly what’s driving your EMR — and what we can do about it.

The model above shows direction and magnitude. A real assessment shows the exact dollars.

I have questions first
Schedule a Free Assessment I have questions first

Free · No obligation · 30 or 60-minute call · Roofing insurance specialist

See all the roofing tools we build for clients

EMR tracking is one piece. Explore safety management, crew scheduling, premium stress-testing, and OSHA compliance.

Explore the full roofing toolkit →

How This Calculator Works — Methodology & Limitations

This tool models EMR changes using NCCI's experience rating methodology with state-specific loss cost rates and split points for roofing class code 5551. All projections show 90% confidence ranges — meaning your actual EMR will most likely fall within the band shown. Larger companies see tighter ranges. This tool is for educational purposes only and should not be used as a substitute for a professional insurance review.

Sources: NCCI ABCs of Experience Rating (ncci.com); NCCI Split Point Methodology Filing 2024; BLS Injuries in Construction 2023; OSHA Fall Prevention Campaign 2024

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    How your EMR drives roofing workers comp cost

    For a roofing company, the experience modification rate is one of the most powerful levers on workers compensation cost. The EMR adjusts your premium based on your claims history versus similar businesses, so a high modifier can inflate premiums by double digits, while a lower one compounds into real savings year after year.

    This modeler shows the premium impact of your EMR so you can see what improving it is worth. Because fall exposure drives roofing claims, the modifier and the safety record behind it are tightly linked.

    Key points:

    For broader context, see OSHA's fall protection standards.

    See how redirecting comp savings into benefits cuts crew turnover in the Benefits ROI Calculator.

    Frequently asked questions

    What is an EMR?

    An experience modification rate, a factor that adjusts your workers compensation premium based on your claims history versus similar businesses.

    How much can the EMR move my premium?

    A high modifier can raise premiums by double digits; a lower one lowers them. The modeler shows the impact for your numbers.

    How do I improve my EMR?

    Through a cleaner claims record over time, driven by safety discipline and correct classification.

    Reviewed by Sam Newland, CFP, Founder of Benefitra. Last updated June 2026.