Workers’ comp insurance cost for roofers in Pennsylvania

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

Modeled from the 2024 filed manual rate of $3.43 per $100 of payroll: a <5-employee roofing company lands around $2.3k–$9.3k 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: Pennsylvania roofing contractors pay a filed workers’-comp manual rate of $3.43 per $100 of payroll (2024 filed rate) — the 40th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee roofing contractors land around $2.3k–$9.3k/yr, before experience mods and schedule credits.

64% of PA roofing contractors have <5 employees — the chart below prices every size band from its own observed payroll.
Pennsylvania sits 40th of 51: AZ pays more ($5.39), MI less ($2.76).
Workers’ comp is one of several coverages — see everything your roofing company needs in Pennsylvania →

What do Pennsylvania roofing contractors pay for workers’ comp?

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

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

typical · most PA roofing contractors

▼

<5 emp

≈$3.7k/yr

5–9 emp

≈$13k/yr

10–19 emp

≈$29k/yr

20–49 emp

≈$88k/yr

50–99 emp

≈$170k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee PA roofing company: modeled $2.3k–$9.3k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 876 PA roofing contractors fall in each size band.

Cohort: size distribution of 876 PA roofing contractors (Census CBP 2023); premiums modeled from one filed rate ($3.43/$100 payroll, 2024). Bands shown cover 871 of 876 establishments (99.4%) — 5 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 (PA)

$3.43 / $100 payroll

as of 2024

Typical <5-employee roofing company (64% of PA)

$2.3k–$9.3k / 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 Pennsylvania 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
36	West Virginia	$4.94
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

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 Pennsylvania?

Modeled from the 2024 filed manual rate of $3.43 per $100 of payroll: a <5-employee roofing company lands around $2.3k–$9.3k 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: Florida ($3.40) · Minnesota ($4.24) · Idaho ($3.09) · Arizona ($5.39)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 876 Pennsylvania roofing contractors; your premium depends on your payroll, claims history, and carrier.