Workers’ comp insurance cost for roofers in Maryland

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

Modeled from the 2024 filed manual rate of $10.23 per $100 of payroll: a <5-employee roofing company lands around $6.6k–$26k 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: Maryland roofing contractors pay a filed workers’-comp manual rate of $10.23 per $100 of payroll (2024 filed rate) — the 22nd-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee roofing contractors land around $6.6k–$26k/yr, before experience mods and schedule credits.

60% of MD roofing contractors have <5 employees — the chart below prices every size band from its own observed payroll.
Maryland sits 22nd of 51: AK pays more ($12.45), TN less ($9.63).
Workers’ comp is one of several coverages — see everything your roofing company needs in Maryland →

What do Maryland roofing contractors pay for workers’ comp?

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

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

typical · most MD roofing contractors

▼

<5 emp

≈$12k/yr

5–9 emp

≈$39k/yr

10–19 emp

≈$93k/yr

20–49 emp

≈$250k/yr

50–99 emp

≈$580k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee MD roofing company: modeled $6.6k–$26k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 341 MD roofing contractors fall in each size band.

Cohort: size distribution of 341 MD roofing contractors (Census CBP 2023); premiums modeled from one filed rate ($10.23/$100 payroll, 2024). Bands shown cover 334 of 341 establishments (97.9%) — 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 (MD)

$10.23 / $100 payroll

as of 2024

Typical <5-employee roofing company (60% of MD)

$6.6k–$26k / 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 Maryland 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
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
24	Colorado	$10.03
25	Kansas	$9.67
26	Nebraska	$9.64

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 Maryland?

Modeled from the 2024 filed manual rate of $10.23 per $100 of payroll: a <5-employee roofing company lands around $6.6k–$26k 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) · Oregon ($10.09) · Colorado ($10.03) · Iowa ($11.18)

Stay informed

We’ll notify you when we’re ready to benchmark your roofing company’s coverage.

No spam — one email.

Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 341 Maryland roofing contractors; your premium depends on your payroll, claims history, and carrier.