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Workers’ comp insurance cost for roofers in Iowa
Published 2026-06-11 · by Brokly
- 68% of IA roofing contractors have <5 employees — the chart below prices every size band from its own observed payroll.
- Iowa sits 19th of 51: IL pays more ($13.44), CO less ($10.03).
- Workers’ comp is one of several coverages — see everything your roofing company needs in Iowa →
What do Iowa roofing contractors pay for workers’ comp?
Modeled annual premium across the real size distribution of IA roofing contractors
bar height = how many roofing contractors are that size · figures = modeled annual cost
Cohort: size distribution of 289 IA roofing contractors (Census CBP 2023); premiums modeled from one filed rate ($11.18/$100 payroll, 2024). Bands shown cover 281 of 289 establishments (97.2%) — 8 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 Iowa 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 |
|---|---|---|
| 15 | Louisiana | $12.83 |
| 16 | New Hampshire | $12.83 |
| 17 | Alaska | $12.45 |
| 18 | South Dakota | $11.52 |
| 19 | Iowa | $11.18 |
| 20 | New Mexico | $10.83 |
| 21 | Alabama | $10.71 |
| 22 | Maryland | $10.23 |
| 23 | Oregon | $10.09 |
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 Iowa?
Modeled from the 2024 filed manual rate of $11.18 per $100 of payroll: a <5-employee roofing company lands around $9.1k–$37k 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: Alabama ($10.71) · Maryland ($10.23) · Louisiana ($12.83) · Oregon ($10.09)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 289 Iowa roofing contractors; your premium depends on your payroll, claims history, and carrier.