Cut your WC premium 25–50%. Without waiting for renewal. Without long-term contracts.
We pull your actual NCCI mod worksheet, find what’s driving the number, and shop it across 19 carrier markets — including roofer-direct programs. 30-minute assessment shows the savings before any commitment.
Typical savings range across our book for roofers. Varies by class code, payroll, and current EMR — some accounts higher, some lower. AOR transfer means immediate action; no waiting for renewal.
See your WC savings range — the way you know your numbers.
Tell us your premium, your rate, or your EMR — whichever you remember. We’ll show you the range our book for roofers typically saves. No email needed. Want the full breakdown? Run the EMR Scenario Modeler below.
Pull the effective rate from your dec page. Class codes for roofers aren’t just 5551 — depending on your state it could be 5552, 5553, or a state-specific equivalent. Rates vary widely by carrier and book.
Range estimate only. Actual placement depends on class code, claims history, payroll detail, and carrier appetite.
What Our Clients Say
Real results from real roofers.
“
Workers’ comp result
“Benefitra cut our workers’ comp rate by almost 50%. The savings paid for our entire safety program — and then some. They actually understand the trade.”
Arturo Nieto
Owner, Art Slate Roofing · Greater Boston
Slate & copper specialist
WC Rate
~50%
cut from baseline
Real client, named with permission. Figures vary by class code for roofers, EMR, and payroll.
Working with a crew of roofers of similar size? Run the EMR calculator to see your own savings projection.
The Receipt
What the “almost 50% cut” actually looks like.
Same crew, same trade, same payroll year-over-year. Rates per $100 of payroll — the metric that generalizes to any roofer regardless of payroll size. Identifying details redacted.
Before BENEFITRA
Placement Type
Residual Market (WCRIB assigned-risk pool) via national carrier — renewal terms
Class Rate for Roofers
$41.21 /$100 payroll
Residual-market pricing — non-negotiable
Placement of last resort: assigned-risk pool. No carrier shopping. No EMR-rehab path. No claims advocacy. Rates set by the rating bureau, not by underwriting.
→
After BENEFITRA
Placement Type
Voluntary Market (FrankCrum) pay-as-you-go, no down payment
Class Rate for Roofers
$21.64 /$100 payroll
Class 5545 slate work — from the actual cost breakdown
Out of the assigned-risk pool. Real underwriting. Pay-as-you-go billing. Class code 5545 for roofers (slate) plus carpentry / sheet metal supporting codes. Same payroll, same year.
Rate Cut, Year Over Year
47.5% off
$41.21 down to $21.64 per $100 of payroll, on the class code for roofers. Same crew, same trade, same payroll year-over-year. The difference is placement: out of the residual-market pool and into a voluntary-market carrier with the right class structure for roofers. Apply that percentage to YOUR payroll for the scale.
Both rates pulled directly from the policy cost-breakdown documents for class 5545 (slate): $41.21/$100 on the prior residual-market renewal, $21.64/$100 on the BENEFITRA-placed FrankCrum policy. Company name, address, and policy numbers redacted. Past results do not guarantee future outcomes — class code mix, claims history, and carrier appetite all affect placement.
Our Carrier Partners
19 Companies. 1 Stop.
Most brokers shop you to 2–3 carriers. We work with 19.
RoofersElevate / BHHC
BHHC
AmTrust
BerkleyNet
Preferred Employers
Berkley Industrial
Paragon / Clear Springs
Atlas / Sompo
Shield
American Longshoreman
RoofersElevate / BHHC
BHHC
AmTrust
BerkleyNet
Preferred Employers
Berkley Industrial
Paragon / Clear Springs
Atlas / Sompo
Shield
American Longshoreman
The Problem
Your EMR is the biggest controllable cost you're ignoring.
An EMR (also called experience mod or X-Mod) of 1.25 means you're paying 25% more than baseline. For a roofer with $2M payroll, that's $75,000/year in excess premium. Most contractors don't know what's driving their number.
No visibility
You learn your EMR once a year at renewal. No dashboard, no trend line, no early warning. By the time you see the number, it's too late to change it.
No actionable guidance
"Improve your safety program" is not a plan. You need to know which specific claims are driving your mod, which are still open, and what closing them would do to your number.
No connection to dollars
Actuarial multipliers mean nothing. You think in dollars per job, dollars per crew, dollars per year. You need to see "your EMR costs you $X more" to feel urgency.
The BENEFITRA Advantage
What changes when you work with us.
BENEFITRA combines technology, advisory, and access to preferred carrier programs that standalone contractors can't get on their own.
On Your Own
Your EMR directly sets your premium
One bad claim can spike your EMR for 3+ years
You manage claims reporting and follow-up
Limited leverage with carriers
Safety program is your responsibility
Pay-as-you-go not always available
With BENEFITRA
Access to preferred programs that reduce your effective mod through group-rate structures
Claims volatility protection that buffers the impact of any single claim
Dedicated claims management with faster reporting, better outcomes, lower severity
Volume carrier access with preferred pricing across thousands of covered employees
Built-in safety programs with OSHA compliance, toolbox talks, crew training
Pay-as-you-go billing that improves cash flow with no annual audit surprises
RESEARCH SAYS
Companies using integrated risk management and group-rate structures see an average ROI of 27.2% on cost savings alone, with average savings of $1,775 per employee per year. Workers' comp premiums drop an average of 22% within 12 months. Safety programs reduce injury frequency by 35-60% over 3 years.
Sources: NCCI Holdings annual experience-rating analysis (2024); OSHA Safety & Health Program Management benchmarks; Liberty Mutual Workplace Safety Index. Figures reflect averages across construction-trade carriers; individual results vary by EMR baseline, payroll mix, and claims history.
Why Roofers Switch
Not another generic insurance agency.
BENEFITRA is built by people who understand construction insurance from the inside. We don't just quote policies. We actively lower your costs.
EMR-first approach
Every roofer's biggest savings lever is their EMR. We start there. Our tools track it, our advisors analyze it, and our safety programs actively reduce it. Most brokers don't even mention EMR until renewal.
Tools built for roofers
Bilingual OSHA safety toolbox talks for crews of roofers. Subcontractor compliance checklists. NCCI class code 5551 benchmarks in the EMR Calculator. State regulatory alerts. Not generic construction software.
Premium savings from day one
Access to preferred carrier programs and group-rate structures. Average WC premium reduction of 22% in year one. Pay-as-you-go billing to improve cash flow and eliminate audit surprises.
Technology + human advisory
The tools show you the data. Our advisors tell you what to do about it. Quarterly EMR reviews, claims strategy calls, and safety program audits. We don't just give you software and walk away.
Free Resources
Take these. No email required.
Two ungated downloads built for roofers. Take them, use them. If you want to talk after, you know where we are.
No. An Agent of Record (AOR) letter takes effect immediately on most carriers. We can take over the relationship today, work the EMR and claims with the carrier directly, and have you better positioned for renewal — without you changing carriers at all. If a mid-term move makes sense, we'll quote it.
Can my EMR actually change mid-year?
The published EMR updates annually (typically 60 days before your effective date). But the things that DRIVE next year's EMR — open claims, reserve levels, claim closure — are all in motion right now. Aggressive mid-year claims management is how we move the next published number. Most brokers don't touch this between renewals.
What if I've had a lapse or a large loss?
That's exactly why we hold appointments with BerkleyNet, Cornerstone/NLF, and Shield. Lapses, high mods, prior cancellations, and large losses route through those programs as primary placements, not pass-through markets. Many roofers think they're "uninsurable" when they're actually a fit for a specialty carrier they've never been shown.
What's different about WC for roofers vs other construction?
Class code 5551 is one of the highest-rated codes in WC. Fall hazards, weather exposure, subcontractor blending, and project-based payroll all make this a specialty placement for roofers. We work the Elevate/BHHC roofer-direct program first, then layer in safety, claims, and EMR work specific to operations for roofers.
Do you actively manage claims or just sell policies?
Active management. Open claims = open reserves = future EMR. Our providers and partners review claims quarterly, push for closure where appropriate, and challenge reserve levels with the carrier. We treat claims handling as a premium-reduction tool, not paperwork.
What does the 30-minute assessment cover?
We pull your actual NCCI mod worksheet (or state equivalent), look at your loss runs, and tell you where the dollars are. If there's nothing to fix, we'll say so. If there is, you'll see the savings number before any commitment. No NDA needed.
What does "pay-as-you-go" actually mean?
Premium is calculated and paid each pay period based on actual payroll, not estimated annual payroll. No big year-end audit invoice. No cash-flow lumps. Payroll for roofers fluctuates with weather and project pipeline — pay-as-you-go matches that reality.
Are you a broker or an agency?
Both, structurally. Benefitra and its partners hold direct appointments with 19 carrier markets covering general WC and specialty lines (roofers, staffing, security, transportation, USL&H). That's broader access than most regional brokers, with the operational follow-through of an active agency.
Schedule a free 30-minute assessment with a insurance specialist for roofers. We'll pull your actual NCCI mod worksheet and show you exactly where the savings are.
