Workers' Comp Cost for Roofing Contractors in Florida
2026 Florida rate: $6.00–$9.50 per $100 payroll per $100 of payroll. $8,000–$25,000 for a small roofing crew.
2026 Rate Range
$6.00–$9.50 per $100 payroll
per $100 payroll
NCCI Class Code
5551
Florida 2026
Typical Annual Premium
$8,000–$25,000 for a small roofing crew
before experience mod
Florida Workers' Comp Rates for Roofing Contractors
Roofing is the highest-risk trade in Florida workers' comp. The FWCJUA 2026 base rate for class code 5551 (Roofing — All Kinds) is $6.752 per $100 of payroll. For a roofer with $150,000 in annual payroll, the base premium before modifiers is approximately $10,128.
Key Facts
- Florida roofing contractors CANNOT exempt corporate officers from workers' comp — the only trade with this restriction
- Class code 5551 covers all roofing types: shingle, tile, metal, flat/TPO, and repairs
- Experience mod (EMR) can reduce or increase your premium by 25–50%
- Pay-as-you-go workers' comp is available for roofing contractors and reduces audit risk
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)
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Roofing Contractors Workers' Comp Cost by City
Florida rates are statewide, but local carrier availability varies. Find city-specific information:
Frequently Asked Questions — Roofing Contractors Workers' Comp
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.
Workers' Comp Cost for Other Florida Trades
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