Workers' Comp Cost for Roofing Contractors in Tampa, FL
Florida 2026 rate: $6.00–$9.50 per $100 payroll per $100 payroll (Class Code 5551). $8,000–$25,000 for a small roofing crew.
Roofing Contractors Workers' Comp in Tampa
Florida workers' comp rates are set statewide by the FWCJUA and NCCI — they do not vary by city. Whether you're a roofing contractors in Tampa or anywhere else in Florida, the 2026 base rate for class code 5551 is $6.00–$9.50 per $100 payroll per $100 of payroll. However, local carrier availability and market competition can affect the final premium you're quoted. Bright Coast Insurance works with multiple carriers to find the best rate for Tampa-area contractors.
Rate Range
$6.00–$9.50
per $100
Class Code
5551
NCCI 2026
Same-Day
COI
available
What Affects Your Premium
- Annual payroll (the primary driver of premium)
- Experience modification rate (EMR) — your claims history vs. industry average
- Number of employees and their specific duties
- Type of roofing work (residential vs. commercial, height, materials)
- Safety program and OSHA compliance record
- Whether you use subcontractors (uninsured subs add to your premium)
Get a Tampa Quote Today
Bilingual agents available. Same-day quotes and COI issuance for Tampa-area roofing contractors.
FAQs — Roofing Contractors Workers' Comp in Tampa
How much does workers' comp cost for a roofing contractor in Florida?
Florida roofing workers' comp costs $6.00–$9.50 per $100 of payroll under class code 5551. For a small roofing crew with $150,000 in annual payroll, expect a base premium of $9,000–$14,000 before your experience mod is applied. Roofing is the highest-rated trade in Florida due to fall risk and the mandatory coverage requirement for all employees including owners.
Can a roofing contractor owner exempt themselves from workers' comp in Florida?
No. Florida is unique in that roofing contractors cannot exempt corporate officers or owners from workers' compensation coverage. All employees, including owners and officers of roofing companies, must be covered. This applies to all roofing work regardless of company structure.
What is class code 5551 in Florida?
Class code 5551 (Roofing — All Kinds) is the NCCI workers' comp class code used for all roofing contractors in Florida. It covers shingle, tile, metal, flat/TPO, and repair work. The FWCJUA 2026 rate is $6.752 per $100 of payroll, making it one of the highest-rated codes in the state.
How can a Florida roofing contractor lower their workers' comp cost?
The most effective ways to lower roofing workers' comp costs in Florida are: (1) maintain a low experience mod through a strong safety program and few claims, (2) use pay-as-you-go billing to avoid large deposits and audit surprises, (3) properly classify employees (office staff use code 8810 at a much lower rate), and (4) shop multiple carriers — rates vary significantly between insurers.
Roofing Contractors Workers' Comp Cost in Other Florida Cities
Get a Roofing Contractors Workers' Comp Quote in Tampa
Same-day quotes and COI issuance. Bilingual agents available.