Workers’ comp insurance cost for roofers in Virginia

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

Modeled from the 2024 filed manual rate of $8.79 per $100 of payroll: a <5-employee roofing company lands around $5.1k–$20k 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: Virginia roofing contractors pay a filed workers’-comp manual rate of $8.79 per $100 of payroll (2024 filed rate) — the 29th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee roofing contractors land around $5.1k–$20k/yr, before experience mods and schedule credits.

62% of VA roofing contractors have <5 employees — the chart below prices every size band from its own observed payroll.
Virginia sits 29th of 51: CO pays more ($10.03), NV less ($5.43).
Workers’ comp is one of several coverages — see everything your roofing company needs in Virginia →

What do Virginia roofing contractors pay for workers’ comp?

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

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

typical · most VA roofing contractors

▼

<5 emp

≈$8.3k/yr

5–9 emp

≈$34k/yr

10–19 emp

≈$83k/yr

20–49 emp

≈$170k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee VA roofing company: modeled $5.1k–$20k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 556 VA roofing contractors fall in each size band.

Cohort: size distribution of 556 VA roofing contractors (Census CBP 2023); premiums modeled from one filed rate ($8.79/$100 payroll, 2024). Bands shown cover 545 of 556 establishments (98.0%) — 11 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 (VA)

$8.79 / $100 payroll

as of 2024

Typical <5-employee roofing company (62% of VA)

$5.1k–$20k / 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 Virginia 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
25	Kansas	$9.67
26	Nebraska	$9.64
27	Tennessee	$9.63
28	Massachusetts	$9.42
29	Virginia	$8.79
30	Mississippi	$8.39
31	Kentucky	$8.31
32	New Jersey	$6.41
33	Utah	$6.17

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 Virginia?

Modeled from the 2024 filed manual rate of $8.79 per $100 of payroll: a <5-employee roofing company lands around $5.1k–$20k 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: Massachusetts ($9.42) · Kentucky ($8.31) · Nebraska ($9.64) · New Jersey ($6.41)

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 556 Virginia roofing contractors; your premium depends on your payroll, claims history, and carrier.