Can Roofers with Prior Claims Still Get Workers’ Comp Coverage?

If you run a roofing business and have had one or more workers’ comp claims in the past, you’ve probably already experienced how difficult it can be to get insured again. Insurance carriers can be quick to decline coverage when they see a history of prior claims—especially in a high-risk industry like roofing. But just because you’ve had past claims doesn’t mean you’re out of options.

Workers’ compensation insurance is a legal requirement in most states, and being unable to get covered can put your business at serious risk. Whether you’re bidding on new jobs, hiring employees, or simply trying to stay compliant with state regulations, not having active workers’ comp coverage can slow everything down. The good news is that roofers with prior claims can still get coverage—and NPN Brokers can help make that happen fast.

We specialize in working with roofing contractors that other brokers turn away. If you’ve been denied due to past claims, we have access to markets and carriers that will still work with you.

Why Workers’ Comp Is So Difficult for Roofing Companies

Roofing is consistently ranked as one of the most dangerous professions in the United States. Between steep pitches, unpredictable weather, power tools, and working at heights, it’s no surprise that injuries on roofing job sites are more common than in many other trades. Because of this, most insurance carriers classify roofing as a high-risk industry, which automatically makes coverage harder to get and more expensive.

When a roofer already has a claims history, the risks are viewed as compounded. Some insurance providers may assume that a company with past claims hasn’t corrected the root causes of those accidents, making them hesitant to issue a new policy. Even companies that have dramatically improved their safety protocols after a past incident can still struggle to convince traditional carriers that they’re insurable.

On top of the difficulty in simply getting a quote, many roofers find that policies come with strict requirements—such as large deposits, annual audits, and long-term contracts that lack flexibility. For many roofing companies, this doesn’t fit the way they operate. You might be dealing with seasonal fluctuations, subcontractors, or job site changes that make traditional plans impractical.

What makes this even more frustrating is that roofing is an essential trade. Whether you work in residential, commercial, or industrial sectors, your business deserves fair access to insurance options that allow you to do your job safely and legally.

How Prior Claims Impact Your Ability to Get Coverage

Past claims don’t mean you’re uninsurable, but they do make the process more complex. When underwriters review an application for workers’ compensation insurance, one of the first things they look at is your loss history. If you’ve filed one or more claims, especially in recent years, they want to understand the context of what happened and what you’ve done since then.

A single claim for something like a minor laceration or sprain may not be a major issue—particularly if it occurred years ago and no additional incidents have happened since. But multiple claims or more severe injuries, such as falls from ladders or roof edges, can make it much harder to secure affordable coverage.

In many cases, underwriters aren’t just looking at what happened—they’re looking at what you did about it. Did you implement new safety procedures? Did you train your workers or update your equipment? Are your crews following OSHA standards? These are all questions that affect how you’re evaluated as a risk.

If you haven’t been documenting your corrective actions or have a gap in coverage, that may be another hurdle. Lapses in workers’ comp coverage can raise additional red flags for insurers, especially if you’re in a state that requires continuous coverage.

It’s not uncommon for roofing companies to feel like they’re stuck in a loop—unable to get insurance because of past claims, but unable to move forward without it. That’s exactly the kind of situation we help solve at NPN Brokers.

NPN Brokers Helps Roofers with Prior Claims Get Insured

We’ve worked with roofing businesses across the country—many of which have been denied coverage by multiple brokers before finding us. At NPN Brokers, we don’t treat your business like a lost cause because of a few claims. We know that a workers’ comp claim doesn’t tell the full story, and we specialize in helping roofing contractors get back on track.

Our team works directly with carriers that are willing to insure high-risk industries, including roofing companies with claims history. These are carriers who understand that the roofing industry isn’t like every other line of work—and that prior incidents don’t mean your business can’t operate safely and responsibly today.

We also understand that not every business fits into a rigid box. You may use subcontractors, operate in multiple states, or have fluctuating payroll depending on the season. That’s why we prioritize flexible workers’ comp policies that actually work for how your business runs.

Here’s how we make things easier for roofers with prior claims:

• No Deposits – You won’t need to pay a large upfront sum just to activate your policy.
• No Long-Term Contracts – You’re not locked into an annual agreement. You can cancel anytime.
• No Audits – Forget year-end surprises. We work with carriers that don’t require audits.
• Quote in Minutes – We keep the process fast and simple. You can get a quote within minutes of contacting us.
• Coverage in as Little as 24 Hours – In most cases, we can help you get active workers’ comp coverage within one business day.

Unlike traditional insurance providers, we don’t rely on one-size-fits-all solutions. We tailor your workers’ comp insurance to your actual needs—making sure you’re compliant and covered without the extra red tape.

Why Roofing Companies Turn to NPN Brokers

If you’ve ever been denied workers’ comp insurance, forced into a state pool, or quoted a premium you simply couldn’t afford, you’re not alone. We’ve helped hundreds of roofing contractors in that exact position find realistic coverage options—even when other brokers gave up on them.

One of the biggest reasons roofers choose NPN Brokers is because we know your world. We understand how your job sites function, what kind of risks you face daily, and how hard it is to keep crews safe and jobs moving. We don’t penalize you for operating in a tough industry. Instead, we focus on finding solutions that keep your business compliant and protected.

We’re also transparent in how we operate. You’ll never get hit with hidden fees or sudden changes in coverage. Everything we do is about making workers’ comp accessible, especially for roofing companies that have been told “no” too many times.

Our pay-as-you-go options are especially useful for roofers. They allow you to pay based on actual payroll data, not estimates—which helps you avoid overpaying. And because we don’t require audits, there’s no risk of an unexpected bill at the end of the year.

What You’ll Need to Get a Workers’ Comp Quote

Getting started is easy. We only need some basic details about your business to provide you with a quote. The more accurate your information, the faster we can match you with a policy that fits your needs. Here’s what we typically need:

• Number of employees, including both W-2 and subcontracted workers if applicable
• Total annual payroll or estimated payroll by job type
• Business location and states where you perform work
• A breakdown of your prior claims, including dates and outcomes
• A general overview of your day-to-day operations

We may also ask for supporting documentation, especially if you’ve taken steps to improve your safety practices or implemented corrective actions after a previous claim. The more context we have, the better we can advocate for you with our insurance partners.

Our quoting process is quick, straightforward, and doesn’t require jumping through hoops. Once we review your info, we’ll get back to you with real options—often the same day.

Tips for Roofers Looking to Improve Their Risk Profile

If you’ve had claims in the past, it helps to show that your company is actively working to reduce future risk. While we can help you get insured regardless of your past, taking steps to improve your risk profile can lead to better premiums and more long-term flexibility. Here are some strategies we recommend:

• Hold Regular Safety Meetings: Weekly or monthly safety briefings can go a long way in reinforcing best practices among your team.
• Invest in Equipment Upgrades: Outdated ladders, scaffolding, or harnesses can contribute to accidents. Make sure your gear meets current safety standards.
• Track Near Misses: Accidents that almost happen can be just as telling as the ones that do. Keep logs of near misses to identify trends.
• Create a Culture of Accountability: Encourage workers to look out for each other and report hazards early.
• Limit Overexertion and Fatigue: Many accidents happen at the end of the day. Rotate duties, manage workloads, and encourage rest when needed.

You don’t need a perfect record to prove you’re a responsible business. Showing that you care about your employees’ well-being and have a proactive approach to safety can make a big difference—both for your team and your insurance options.

If You’ve Been Turned Down, Don’t Give Up

It’s discouraging to be denied coverage when you’re trying to do the right thing. We speak with roofing business owners every day who are trying to rebuild after a past claim or who simply want to get back on their feet. If you’ve heard “no” more than once, you may feel like your options are gone—but that’s not the case.

NPN Brokers exists to help roofing companies in exactly this situation. Whether you’ve had one claim or several, we can help you find the workers’ comp coverage you need to stay in business, take on new projects, and keep your crews safe on the job.

Our network of carriers is built for high-risk industries. We’re not here to judge your past—we’re here to help you protect your future.

Get a Workers’ Comp Quote Today

If you’re a roofing contractor struggling to get workers’ compensation insurance due to a history of claims, we’re here to help. At NPN Brokers, we provide roofing companies with fast, flexible coverage—even when other insurance providers won’t.

You can give us a call at (561) 990-3022 or fill out our online quote request form to get started. We’ll walk you through the process, help you understand your options, and get you covered in as little as 24 hours.

Don’t let past claims keep your business from moving forward. With no contracts, no deposits, and no audits, NPN Brokers makes it easier for roofers to get the coverage they need, when they need it.