Workers’ comp insurance cost for roofers in Indiana

Q: What does workers' comp cost roofing contractors in Indiana?

Modeled from the 2024 filed manual rate of $1.82 per $100 of payroll: a <5-employee roofing company lands around $1.2k–$4.9k per year before experience mods and schedule credits.

Q: 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.

Published 2026-06-11 · by Brokly

Direct answer: Indiana roofing contractors pay a filed workers’-comp manual rate of $1.82 per $100 of payroll (2024 filed rate) — the 49th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee roofing contractors land around $1.2k–$4.9k/yr, before experience mods and schedule credits.

61% of IN roofing contractors have <5 employees — the chart below prices every size band from its own observed payroll.
Indiana sits 49th of 51: DE pays more ($2.87).
Workers’ comp is one of several coverages — see everything your roofing company needs in Indiana →

What do Indiana roofing contractors pay for workers’ comp?

Modeled annual premium across the real size distribution of IN roofing contractors

bar height = how many roofing contractors are that size · figures = modeled annual cost

typical · most IN roofing contractors

▼

<5 emp

≈$1.9k/yr

5–9 emp

≈$6.9k/yr

10–19 emp

≈$16k/yr

20–49 emp

≈$48k/yr

50–99 emp

≈$85k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee IN roofing company: modeled $1.2k–$4.9k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 557 IN roofing contractors fall in each size band.

Cohort: size distribution of 557 IN roofing contractors (Census CBP 2023); premiums modeled from one filed rate ($1.82/$100 payroll, 2024). Bands shown cover 550 of 557 establishments (98.7%) — 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.

Filed manual rate (IN)

$1.82 / $100 payroll

as of 2024

Typical <5-employee roofing company (61% of IN)

$1.2k–$4.9k / yr modeled

as of 2024 · CBP 2023

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 Indiana 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
45	Michigan	$2.76
46	Texas	$2.57
47	District of Columbia	$2.06
48	Ohio	$1.90
49	Indiana	$1.82
50	Arkansas	$1.62
51	North Dakota	$1.18

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 Indiana?

Modeled from the 2024 filed manual rate of $1.82 per $100 of payroll: a <5-employee roofing company lands around $1.2k–$4.9k 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: Texas ($2.57) · Michigan ($2.76) · Idaho ($3.09) · Florida ($3.40)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 557 Indiana roofing contractors; your premium depends on your payroll, claims history, and carrier.