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Insurance Cost Estimator

Roofer's Insurance
Savings Calculator

Get a fast estimate of your roofing 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, no email required. The results will give you a solid starting point for making informed decisions about your benefits strategy.

Tell Us About Your Business

We'll use this to calculate a rough coverage estimate. No login required.

Please select your state
$
Please enter your annual revenue
Please enter number of employees
Please enter number of subcontractors
Please select at least one roofing type
Rough Annual Estimate
$0 / year
This is a ballpark based on industry averages. Continue for a detailed breakdown.

Detailed Information

Refine your estimate with payroll and policy details.

$
Please enter your annual payroll
EMR must be between 0.50 and 2.50
Please enter number of vehicles
$

Contact Information

Required to unlock your full results and savings analysis.

Please enter your name
Please enter your company name
Please enter a valid email
Please enter your phone number

Your Insurance Estimate

Prepared for in

Workers' Compensation
$0
General Liability
$0
Commercial Auto
$0
Inland Marine
$0
Umbrella / Excess
$0
Total Estimated Premium
$0
Peer Benchmark
Savings Scenarios
EMR Improvement
Improve your EMR from 1.00 to 0.90 through better safety programs and claims management.
Toggle to see savings
Deductible Increase
Increase your WC deductible from $1,000 to $2,500. Higher deductibles reduce premium cost significantly.
Toggle to see savings
Policy Bundling Discount
Bundle GL, auto, and umbrella with a single carrier through BENEFITRA for a multi-policy discount.
Toggle to see savings
Estimated Premium with Savings
$0
-$0
total potential savings
Your Risk Score
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Get a Free Quote from Our Roofing Insurance Specialist

Your estimate is ready. Let our team at BENEFITRA review your details and find you the best coverage at the lowest premium available in the market.

Request My Free Quote
or visit benefitra.com/contact to speak with a roofing coverage specialist
This calculator provides estimates based on industry averages and the information you provide. Actual premiums may vary based on carrier underwriting, claims history, and other factors. BENEFITRA does not guarantee any specific premium amounts. © BENEFITRA — benefitra.com

Getting Started — Your Next Steps

Common Questions

Is this insurance savings calculator really free?
Yes, completely free with no strings attached. You do not need to create an account, provide an email address, or speak with anyone. The tool runs entirely in your browser and gives you results immediately.
How accurate are these estimates?
The calculations use industry-standard data and published rate tables, so they provide a reliable directional estimate. Your actual costs will depend on your specific situation, location, and the providers you work with. We recommend using these numbers as a starting point for getting real quotes.
What should I do with these results?
Use them as a baseline for informed conversations with brokers, PEOs, or insurance providers. Having these numbers before you talk to a salesperson puts you in a much stronger negotiating position and helps you evaluate whether the proposals you receive are competitive.

What drives a roofing contractor's insurance cost

Insurance is one of the largest controllable line items a roofing company carries, and small changes move it a lot. This calculator estimates where a roofing contractor's premiums sit today and where the realistic savings are, using the cost drivers that actually move roofing 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 roofing contractor's premium:

Fall protection is the leading safety requirement and claims driver in roofing; the baseline standards come from OSHA.

Frequently asked questions

Why are roofing insurance rates so high?

Roofing 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 roofing 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.

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