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BENEFITRA for roofers

Lower your EMR.
Cut your premiums.
Protect your crew.

Purpose-built tools for roofers. EMR calculators, health funding projections, OSHA safety resources, compliance checklists, and regulatory alerts. All in one platform.

What This Means For You

This free tool takes the guesswork out of understanding your roofers lower your emr cut your premiums. 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.

$31B
U.S. roof repair and replacement costs in 2024, up 30% since 2022
25%
Material cost increases on metals, squeezing margins industry-wide
75%
of NRCA members report skilled-worker shortages affecting operations
The Problem
Your EMR is the biggest controllable cost you're ignoring.
An EMR of 1.25 means you're paying 25% more than baseline. For a roof-work company 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.

Built for Roofers
6 tools designed for roofers.
Not generic construction software. Tools that solve the specific problems roofers face every day.
Interactive Tools

EMR Score Calculator

See exactly how your Experience Modification Rate affects your workers' comp premium. Enter your payroll and EMR to see the dollar impact and what you'd save by improving it.

Health Funding Cost Projector

Compare your health coverage costs across fully insured, level-funded, self-funded, and PEO options. See which funding strategy saves your roof-work company the most.

OSHA Safety Compliance Toolkit Coming Soon

52 roofer-specific bilingual toolbox talks, pre-job safety checklists for 6 job types, one-tap incident reporting, and OSHA audit-ready documentation. Built for the field.

Free Resources

2026 Roofer Insurance Survival Guide

What every roofer needs to know about coverage in 2026. Coverage deep dives, EMR playbook, state-by-state spotlight, subcontractor risk, storm season prep, and a 10-point self-audit checklist. 28 pages.

Subcontractor Compliance Checklist

70% of contractor COIs are non-compliant. This printable checklist covers everything you need to verify before hiring a sub, what your contracts should include, how to monitor ongoing coverage, and the red flags that signal a fake or expired certificate.

State Regulatory Alerts

Insurance and licensing regulations change constantly. Get plain-English alerts for your state covering carrier actions, OSHA updates, code changes, and new laws that affect your roof-work business. Free for all contractors.

Free EMR Calculator

How will your EMR change over the next 3 years?

Model different claims scenarios. See how your Experience Modification Rate could shift. Discover how much you could save on workers' comp with BENEFITRA's safety tools, claims management, and risk advisory.

Health Funding Cost Projector

Which health coverage funding strategy saves you the most?

Compare fully insured, level-funded, self-funded, and PEO options side by side. Enter your group size and demographics to see projected costs across every funding strategy available to your roof-work company.

Health Funding Cost Projector
This tool is being rebranded for the roofer vertical. Once the NGI-themed version is ready, it will be embedded here.
Use the BIH Version Now →
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.
Why Roofers Switch
Not another generic coverage agency.
BENEFITRA is built by people who understand construction coverage 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.

Roofer-specific tools

Bilingual OSHA safety toolbox talks for roof crews. 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.

Your EMR is costing you money right now.

Schedule a free 15-minute call with a insurance specialist for roofers. We'll pull your actual NCCI mod worksheet and show you exactly where the savings are.

Free · No obligation · 15-minute call · Insurance specialist for roofers

Getting Started — Your Next Steps

Common Questions

Is this roofers lower your emr cut your premiums 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.