Roofer's Insurance
Savings Calculator
Get a fast estimate of your roof-work coverage costs, see how you compare to peers, and uncover real savings opportunities.
What This Means For You
This free tool takes the guesswork out of understanding your insurance savings costs. 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. The detailed results ask for your contact details. The results will give you a solid starting point for making informed decisions about your benefits strategy.
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Detailed Information
Refine your estimate with payroll and policy details.
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Getting Started — Your Next Steps
- Download or print your results for reference
- Review the numbers with your accountant or financial advisor
- Identify which option aligns best with your budget and employee needs
- Get real quotes to compare against these estimates
- Plan for open enrollment timing if you decide to make a change
Common Questions
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What should I do with these results?
What drives a roofer's insurance cost
Insurance is one of the largest controllable line items a roof-work company carries, and small changes move it a lot. This calculator estimates where a roofer's premiums sit today and where the realistic savings are, using the cost drivers that actually move roof-work rates rather than generic averages.
A high experience modifier alone can swing workers compensation premiums by double digits, and misclassified payroll quietly inflates the bill every year. The calculator helps you see which driver is costing the most so you can target the fix that pays back fastest.
Once you know the savings, the Benefits ROI Calculator shows how redirecting those dollars into a stronger benefits package can also cut the crew turnover that drives claims in the first place.
What drives a roofer's premium:
- Experience modification rate
- Claims history
- How payroll is classified
- Safety record and program credits
Fall protection is the leading safety requirement and claims driver in roof work; the baseline standards come from OSHA.
Frequently asked questions
Why are roof-work insurance rates so high?
Roof work is classified as high risk because of fall exposure and physical claims, so workers compensation and liability rates start high. That also means there is more room to save through safety credits, clean claims history, and correct classification.
What is an experience modification rate?
It is a factor that adjusts your workers compensation premium based on your claims history versus similar businesses. A modifier below the industry baseline lowers your premium; above it raises the cost.
How fast can a roof-work company lower its premiums?
Some levers, like correcting payroll classification, can help at the next policy period. Others, like improving the experience modifier, build over a few years.