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Your Guide to Workers’ Comp for Roofers

A roofer with a wrist splint on going over workers' comp documents

In 2022, 4.53 million employees sought medical care for work-related injuries. In the past few years, the construction industry reported the highest number of preventable fatal work injuries, according to the National Safety Board.

Workers’ comp for roofers helps protect business owners and their crews when the unexpected happens. If employees get injured on the job, workers’ comp insurance coverage pays the medical bills and lost wages for the injured worker.

If you own a roofing business or work on a roofing crew, you need to know what workers’ compensation is and how it works. This blog post will cover what you need to know about workers’ comp for roofers. Let’s dive in.

What Is Workers’ Comp?

Workers’ comp, short for workers’ compensation, is a form of insurance coverage that pays for expenses associated with workplace injuries. In most cases, employers are responsible for medical costs and lost wages for employees injured on the job.

What Does Workers’ Comp Cover?

Workers’ compensation insurance typically covers:

  • Medical costs for injured employees
  • Lost wages for injured employees
  • Disability benefits for injured employees
  • Ongoing care for injured employees
  • Funeral or memorial expenses
  • Work-related injury legal fees for employers

Do Roofers Need Workers’ Comp?

With a fatal injury rate of 59 per 100,000 full-time workers, roofing is the third most dangerous occupation in the U.S. There is a risk of injury each time crews are sent out for a roofing job. The most common fatal accidents roofers face are:

  • Falls
  • Slips
  • Trips

Depending on the business’s location, mandates force employers to provide workers’ comp protections.

In the U.S., 49 states require employers to have workers’ compensation insurance coverage. Texas is the exception to this rule and doesn’t require most businesses to have workers’ comp coverage.

Investing in workers’ comp coverage helps protect workers and the business when workplace injuries occur. Each state may carry additional regulations and requirements related to workers’ compensation coverage.

We recommend business owners consult an insurance or legal professional to determine what types of insurance their roofing business needs. Check out our guide to find additional insurance information for roofers.

Benefits of Workers’ Comp for Roofers

Workers’ comp for roofers provides peace of mind for business owners and employees alike. Investing in the right insurance coverages for your business ensures your company and employees are protected if injuries occur on the job.

Finding the Right Workers’ Comp for Roofers

Several insurance companies provide workers’ comp policies for roofers. Here are a few insurance companies that offer workers’ comp for roofers:

We recommend doing a detailed search to find the right insurance provider for your roofing business’s needs.

How Much Does Workers’ Comp for Roofers Cost?

The exact cost of workers’ comp for roofers will depend on several factors, including the business location and the policy provider.

According to WorkersCompensationShop, workers’ compensation for roofers costs an average of $9.90–$15.25 per $100 of payroll.

Building Roofing Businesses the Right Way

Workers’ compensation has many purposes: it covers medical bills and lost wages for employees injured at work. At the same time, it helps protect employees while ensuring businesses don’t go bankrupt in the event of an incident.

Workers’ comp protects your roofing business and your employees. But how do you protect the integrity of your business and deliver consistent roof work? The answer is simple: roofing software.

Roofing software like JobNimbus lets you keep track of tasks and jobs so you can provide top-tier work on every job. Take your business to the next level with features like smart estimates, texting, and reporting.

Get started with a free 14-day trial of JobNimbus today.

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