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Workers’ comp insurance cost for roofers in South Carolina
Published 2026-06-11 · by Brokly
- 62% of SC roofing contractors have <5 employees — the chart below prices every size band from its own observed payroll.
- South Carolina sits 6th of 51: GA pays more ($28.84), OK less ($13.96).
- Workers’ comp is one of several coverages — see everything your roofing company needs in South Carolina →
What do South Carolina roofing contractors pay for workers’ comp?
Modeled annual premium across the real size distribution of SC roofing contractors
bar height = how many roofing contractors are that size · figures = modeled annual cost
Cohort: size distribution of 300 SC roofing contractors (Census CBP 2023); premiums modeled from one filed rate ($17.19/$100 payroll, 2024). Bands shown cover 290 of 300 establishments (96.7%) — 10 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 South Carolina 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 |
|---|---|---|
| 2 | New York | $23.22 |
| 3 | Connecticut | $18.34 |
| 4 | Hawaii | $18.02 |
| 5 | Wisconsin | $17.81 |
| 6 | South Carolina | $17.19 |
| 7 | California | $15.68 |
| 8 | Missouri | $15.16 |
| 9 | Vermont | $15.04 |
| 10 | Rhode Island | $14.86 |
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 South Carolina?
Modeled from the 2024 filed manual rate of $17.19 per $100 of payroll: a <5-employee roofing company lands around $9.7k–$39k 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: California ($15.68) · Wisconsin ($17.81) · Missouri ($15.16) · New York ($23.22)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 300 South Carolina roofing contractors; your premium depends on your payroll, claims history, and carrier.