Getting Workers’ Comp for Multi-State Roofing Operations

Roofing companies that operate in multiple states face a different level of complexity when it comes to workers’ compensation insurance. Between different state laws, varied classification codes, and inconsistent insurance carrier policies, managing coverage across several regions can be both confusing and time-consuming. For roofing companies, which are already considered high-risk, these hurdles often make it harder to find affordable and compliant coverage.

If your business has teams working across state lines—whether full-time or on a project-by-project basis—you need to be sure your workers’ comp policy covers every employee in every location. The risk of gaps in coverage, misclassification, or noncompliance isn’t just a regulatory issue—it can be a financial disaster if a worker is injured and the claim is denied.

At NPN Brokers, we specialize in helping roofing companies secure the right workers’ compensation insurance—even if they operate in multiple states. We work with carriers that understand your industry, your risks, and the logistics of covering roofing crews in more than one jurisdiction under one flexible policy.

Why Roofing Companies Are Considered High-Risk by Insurers

Roofing is one of the most dangerous trades in construction. Workers are regularly exposed to falls, electrical hazards, extreme heat, and heavy lifting. The job is physically demanding and often done under unpredictable conditions. Because of this, insurance carriers tend to flag roofing businesses as high-risk and may either decline to write a policy or place strict requirements on coverage.

The risk classification alone often makes it hard to find affordable workers’ comp coverage. But when you add in multi-state operations, the risk in the eyes of an underwriter only increases. Each additional state introduces new regulatory obligations, which carriers must manage carefully to avoid liability exposure.

Unfortunately, this often leads roofing companies to jump through hoops just to get insured. Carriers might require large down payments, year-end audits, or long-term contracts. In some cases, businesses are forced to maintain separate policies for each state, which not only adds to costs but also increases the risk of error in payroll reporting, classification, and employee status.

For roofing contractors trying to stay on top of job sites, client timelines, and crew management, dealing with multiple workers’ comp policies becomes a major burden. That’s where a streamlined, multi-state policy can make all the difference.

The Challenges of Securing Multi-State Workers’ Comp Coverage

Each state regulates workers’ compensation independently, which means what’s required in one state might not apply in another. If your roofing company works jobs in several states—or plans to expand—you’ll likely run into a maze of insurance requirements.

Some states allow for out-of-state carriers to provide coverage, while others require policies to be written by a carrier licensed in that state. Certain states also have stricter rules about how payroll is reported, whether or not temporary workers are covered, or how workers are classified if they travel from another state.

Here are just a few of the complications that roofing companies often encounter when trying to get multi-state workers’ comp coverage:

Juggling Multiple Policies
In some cases, roofing businesses are forced to purchase individual policies for each state where they have employees. This increases the administrative load and creates more room for reporting mistakes, missed payments, or coverage gaps.
Traveling Employees and Temporary Projects
Roofers often travel for work, whether for hurricane response, storm recovery, or out-of-state commercial contracts. If your current policy doesn’t include that additional state or has restrictions on temporary work, your company could be left exposed.
Misclassification of Workers or Wages
Different states assign different class codes for roofing and related duties. Misclassifying workers can result in underpaid premiums or overpayments—either of which can trigger costly audits or rejected claims.
State-Specific Exemptions and Requirements
Some states exempt certain types of workers from mandatory coverage, while others are strict about full coverage for all employees and even certain subcontractors. Not knowing the rules for each state can put you at serious risk.
Delays and Denials from Traditional Carriers
Even if you find a carrier willing to write a policy for your multi-state roofing company, the underwriting process can drag out for weeks. And in some cases, you might end up denied altogether due to industry classification or past claims.

All of this can be overwhelming—but with the right broker, it doesn’t have to be.

How NPN Brokers Makes Multi-State Coverage Easier for Roofing Companies

At NPN Brokers, we understand what roofing companies go through because we specialize in helping high-risk businesses get the coverage they need. We’ve helped roofing contractors across the country get workers’ comp insurance that works across state lines, often through one consolidated policy.

We work with insurance carriers that are familiar with multi-state policies and the unique challenges of the roofing trade. Instead of pushing your application to the bottom of the stack, we help you get the quote you need fast—sometimes in just minutes. And in most cases, we can bind coverage within 24 hours.

Here’s what sets us apart:

One Policy for Multiple States
We aim to get you a single policy that includes all the states you operate in. This helps reduce paperwork, avoids inconsistent billing or audits, and simplifies your administrative burden.
No Contracts, No Audits, No Deposits
Our Pay-As-You-Go model removes the typical insurance headaches. You won’t be locked into a lengthy contract or hit with surprise audits at the end of the year. And you won’t need to come up with a hefty deposit just to start coverage.
We Work with Companies That Have Prior Claims
If you’ve had a claim in the past and are struggling to get covered, we can help. We work with carriers who are willing to insure roofing businesses with claims history.
Quotes in Minutes, Coverage in 24 Hours
We know time is critical. That’s why we keep our process fast and efficient. We can typically provide a quote on the same day and get your policy started within 24 hours.
Guidance and Compliance Support
We’re not just here to sell you a policy—we’re here to help you stay compliant. We’ll ensure your class codes are correct, your employees are listed appropriately by state, and your policy reflects your actual jobsite risks.

Common Roofing Class Codes Across States

Class codes are essential to your premium and your compliance. Using the wrong one could result in underinsured risk or unexpected rate increases. While class codes vary from state to state, roofing companies will frequently encounter:

5551 – Roofing (All Types)
5535 – Sheet Metal Work (Outside)
5606 – Executive Supervisors (No Physical Labor)

Each of these codes comes with different rates and coverage requirements. In multi-state situations, your crew might be doing work in one state that fits under 5551 but must be reported differently in another. We help you sort all that out so you don’t run into issues later.

Why Pay-As-You-Go is Ideal for Multi-State Roofing Operations

In an industry like roofing, where work can be seasonal or project-based, flexibility is key. If you’re running crews in different states, your payroll might change from month to month depending on the size and number of jobs. A Pay-As-You-Go model ensures you’re only paying for the payroll you actually use.

This model also eliminates the need for:

Upfront deposits
Fixed annual premium estimates
Reconciliation audits at the end of the year

You report payroll in real time, pay in real time, and avoid the financial surprises that often come with traditional policies. For roofing companies, this isn’t just a convenience—it’s a game changer.

Ready to Simplify Your Multi-State Workers’ Comp Coverage?

Roofing is a demanding business. You’ve got crews to manage, deadlines to meet, and safety to prioritize. You shouldn’t have to jump through hoops just to get the insurance coverage that protects your team. At NPN Brokers, we make the process of getting multi-state workers’ compensation simple, fast, and affordable.

Whether you’re expanding into a new region or already have crews working in several states, we can help you get set up with a policy that fits your business—without the red tape, audits, or long-term contracts.

If you’re a roofing company in need of multi-state workers’ comp coverage, give us a call at (561) 990-3022 or fill out our online quote request form. We’ll walk you through the process, help you get the right coverage, and have you ready to go—often in just 24 hours.