Workers’ comp insurance cost for roofers in Michigan

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

Modeled from the 2024 filed manual rate of $2.76 per $100 of payroll: a <5-employee roofing company lands around $2.6k–$11k 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: Michigan roofing contractors pay a filed workers’-comp manual rate of $2.76 per $100 of payroll (2024 filed rate) — the 45th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee roofing contractors land around $2.6k–$11k/yr, before experience mods and schedule credits.

60% of MI roofing contractors have <5 employees — the chart below prices every size band from its own observed payroll.
Michigan sits 45th of 51: PA pays more ($3.43), AR less ($1.62).
Workers’ comp is one of several coverages — see everything your roofing company needs in Michigan →

What do Michigan roofing contractors pay for workers’ comp?

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

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

typical · most MI roofing contractors

▼

<5 emp

≈$3.5k/yr

5–9 emp

≈$13k/yr

10–19 emp

≈$26k/yr

20–49 emp

≈$70k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee MI roofing company: modeled $2.6k–$11k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 509 MI roofing contractors fall in each size band.

Cohort: size distribution of 509 MI roofing contractors (Census CBP 2023); premiums modeled from one filed rate ($2.76/$100 payroll, 2024). Bands shown cover 492 of 509 establishments (96.7%) — 17 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 (MI)

$2.76 / $100 payroll

as of 2024

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

$2.6k–$11k / 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 Michigan 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
41	Florida	$3.40
42	Wyoming	$3.32
43	Idaho	$3.09
44	Delaware	$2.87
45	Michigan	$2.76
46	Texas	$2.57
47	District of Columbia	$2.06
48	Ohio	$1.90
49	Indiana	$1.82

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 Michigan?

Modeled from the 2024 filed manual rate of $2.76 per $100 of payroll: a <5-employee roofing company lands around $2.6k–$11k 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) · Idaho ($3.09) · Florida ($3.40) · Indiana ($1.82)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 509 Michigan roofing contractors; your premium depends on your payroll, claims history, and carrier.