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Workers’ comp insurance cost for roofers in Florida
Published 2026-06-11 · by Brokly
- 56% of FL roofing contractors have <5 employees — the chart below prices every size band from its own observed payroll.
- Florida sits 41st of 51: WV pays more ($4.94), TX less ($2.57).
- Workers’ comp is one of several coverages — see everything your roofing company needs in Florida →
What do Florida roofing contractors pay for workers’ comp?
Modeled annual premium across the real size distribution of FL roofing contractors
bar height = how many roofing contractors are that size · figures = modeled annual cost
Cohort: size distribution of 2,215 FL roofing contractors (Census CBP 2023); premiums modeled from one filed rate ($3.40/$100 payroll, 2024). Bands shown cover 2,208 of 2,215 establishments (99.7%) — 7 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Roofing contractors (NAICS 238160)) (as of 2023, retrieved 2026-06-05)
How does Florida compare to nearby ranks?
Calculated manual rates, $ per $100 payroll, NCCI class 5551 (Roofing — All Kinds), 2024. See all 51 jurisdictions →
| Rank | State | Rate / $100 payroll |
|---|---|---|
| 37 | Montana | $4.31 |
| 38 | Minnesota | $4.24 |
| 39 | Maine | $4.20 |
| 40 | Pennsylvania | $3.43 |
| 41 | Florida | $3.40 |
| 42 | Wyoming | $3.32 |
| 43 | Idaho | $3.09 |
| 44 | Delaware | $2.87 |
| 45 | Michigan | $2.76 |
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)
Frequently asked questions
What does workers' comp cost roofing contractors in Florida?
Modeled from the 2024 filed manual rate of $3.40 per $100 of payroll: a <5-employee roofing company lands around $2.1k–$8.6k per year before experience mods and schedule credits.
What drives the rate up or down?
Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Roofing work is NCCI class 5551 (Roofing — All Kinds) — one classification covers roofing of every kind, residential and commercial alike.
Roofers in nearby-ranked states: Pennsylvania ($3.43) · Idaho ($3.09) · Minnesota ($4.24) · Michigan ($2.76)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 2,215 Florida roofing contractors; your premium depends on your payroll, claims history, and carrier.