Why Roofers Are Labeled ‘High-Risk’ with Workers Comp Insurance

Understanding the “High-Risk” Label in Roofing

When it comes to workers’ compensation insurance, not all industries are treated the same. Roofing companies are often categorized as “high-risk,” making it more difficult and expensive for them to find coverage. But why exactly are roofers considered such a high-risk industry?

The answer lies in the very nature of roofing work. Roofers spend their days working at significant heights, often on sloped surfaces and in varying weather conditions. The combination of physical labor, heavy equipment, elevated work environments, and unpredictable factors like wind or rain drastically increases the likelihood of accidents and injuries. Even with the best safety protocols in place, the job remains inherently dangerous.

Workers’ compensation insurance is designed to cover medical expenses, lost wages, and rehabilitation costs if an employee gets hurt on the job. For roofing companies, the chances of filing a claim are much higher than in lower-risk professions, like office work. Insurance carriers view this increased likelihood of claims as a financial risk, which is why premiums for roofing companies tend to be higher and the process of getting coverage can be more challenging.

Common Injuries in the Roofing Industry

Roofing injuries are unfortunately common and can range from minor to severe. Understanding the types of injuries that frequently occur in roofing helps explain why insurance companies are cautious.

One of the most serious risks is falls. Whether falling from a ladder, scaffolding, or directly from the roof, falls are a leading cause of injury and fatality in the roofing industry. Even experienced roofers are not immune to the dangers of working at heights.

Another common injury type is related to equipment and tool use. Roofing work requires the handling of heavy machinery, power tools, and sharp materials. Lacerations, crush injuries, and even amputations can happen if tools are used improperly or if protective measures fail.

Heat-related illnesses also pose a significant threat, especially in hotter climates. Roofers often work long hours in direct sunlight, leading to dehydration, heat exhaustion, or heat stroke.

Finally, repetitive stress injuries from lifting, bending, and kneeling can develop over time. These injuries might not be immediately apparent but can lead to chronic issues that result in workers’ compensation claims down the line.

Why Insurance Companies Hesitate to Cover Roofers

Insurance companies base their rates and underwriting decisions on risk analysis. When they look at the roofing industry, the data points to a higher frequency and severity of claims. This reality makes many insurers hesitant to offer workers’ comp policies to roofing businesses, particularly small or newer companies without an established safety record.

Additionally, roofing companies often experience claims that involve long recovery times or permanent disabilities, which are expensive for insurers to manage. Medical bills, physical therapy, lost wages, and possible legal fees add up quickly when a severe injury occurs.

Because of this, many insurance carriers either decline to write policies for roofers altogether or offer coverage with strict conditions, high premiums, and substantial deposits. These hurdles can make it extremely frustrating for roofing companies to find the workers’ comp coverage they need to stay compliant and protect their employees.

How NPN Brokers Makes Workers’ Comp Insurance Easier for Roofers

At NPN Brokers, we understand the unique challenges roofing companies face when trying to secure workers’ compensation insurance. Our team specializes in working with high-risk industries like roofing, and we’ve developed strong relationships with insurance carriers who are willing to provide coverage where others won’t.

One of the biggest advantages of working with NPN Brokers is our ability to get you a same-day quote and coverage in as little as 24 hours. We cut through the red tape and simplify the process, so you can spend more time focusing on your business and less time stressing over insurance paperwork.

Unlike many traditional insurers, we work with providers that offer flexible plans. With NPN Brokers, there are no long-term contracts, no large deposits, and no stressful audits. We offer Pay-As-You-Go solutions that allow you to pay only for what you need, when you need it.

The Benefits of Choosing NPN Brokers for Roofing Companies

There are several reasons why roofing companies turn to NPN Brokers for their workers’ compensation needs.

First, our expertise in high-risk industries means we know what it takes to get a policy approved quickly. We work with a network of insurers that understand roofing, and we know how to present your business in the best light to get you a fair, competitive quote.

Second, our Pay-As-You-Go model offers much-needed financial flexibility. Cash flow can be unpredictable in the roofing business, especially when work is seasonal. With NPN Brokers, you can match your insurance payments to your business revenue, without locking yourself into a burdensome annual premium.

Third, our team is always available to answer questions and provide guidance. Whether you need help understanding your coverage, filing a claim, or adjusting your policy as your business grows, we’re just a phone call or email away.

Finally, we pride ourselves on our speed. If you need workers’ comp coverage today, we can make it happen. Our streamlined process is designed to get you insured quickly without sacrificing quality or service.

Getting a Fast Workers’ Comp Quote with NPN Brokers

Getting workers’ comp insurance through NPN Brokers is straightforward and stress-free.

When you reach out to us, either by calling (561) 990-3022 or filling out our online quote request form, we’ll start by gathering a few basic details about your roofing business. Things like your company size, the type of work you perform, and your claims history help us match you with the right insurance provider.

From there, we reach out to our network of trusted carriers to find the best policy for your needs. We aim to get you a quote within minutes and can often finalize coverage within 24 hours. There are no hidden fees, no surprise audits, and no lengthy paperwork.

Once your policy is active, you’ll enjoy the peace of mind that comes with knowing your employees and your business are protected. Plus, with our flexible payment options, you can keep your cash flow healthy while staying fully compliant with workers’ compensation laws.

Protect Your Roofing Business Today

Roofing is tough work—getting workers’ compensation insurance shouldn’t be. At NPN Brokers, we make it easy for roofing companies to get the coverage they need, when they need it, without the hassle. Whether you’re a small business just starting out or an established company looking for better rates and flexibility, we’re here to help.

Give us a call today at (561) 990-3022 or fill out our online quote request form to get started. In just a few minutes, you could be on your way to same-day coverage that protects your team and your bottom line.