Industries → Roofing

Workers comp for Florida roofers

Roofing is the single hardest workers comp class code in Florida. That is exactly the trade we specialize in.

WorkCompTeam Florida high-risk workers comp shield logo
Roofing is the single hardest workers’ comp class code to place in Florida (NCCI 5551), and many agencies simply won’t write it. WorkCompTeam specializes in placing hard-to-cover roofers — residential and commercial, re-roofs, repairs and new construction — with correct classification, exemption guidance, and COIs ready before you get on the roof.
  • Roofing class code NCCI 5551 carries one of Florida’s highest rates.
  • Residential, commercial, re-roofs, repairs and new construction covered.
  • Subcontractor labor without coverage can be pulled into your audit.
  • Officer/LLC exemptions apply to owners only — not employees.
  • Previously declined or non-renewed crews are our specialty.

Roofing premiums are high for a reason: fall risk, heavy materials and Florida’s storm-driven roofing volume all push the class-code rate up. But being declined once doesn’t mean you’re uninsurable. The path back to a fair rate is correct classification, clean payroll documentation, and matching your crew to the specialty carriers that still write Florida roofing.

How a Florida roofer gets a workers comp quote review

  1. 1. Send your roofing detailsTell us residential vs. commercial, steep vs. low-slope, and how much work is subcontracted.
  2. 2. We classify and organizeWe make sure the roofing class code and payroll are set correctly before quoting.
  3. 3. Review your roofing optionsYou get a straight quote review — even if you’ve been declined or non-renewed before.

Authority: Florida workers’ compensation is governed by Florida Statutes Chapter 440 and administered by the Florida Division of Workers’ Compensation. See also our workers comp services and Florida workers comp FAQ.

Why roofing is different

Roofing carries one of the highest workers comp rates of any class code, and many agencies simply will not write it. We focus on placing hard-to-cover roofers and getting you a fair quote review.

Correct class code

Steep vs. low-slope and subcontractor labor all matter.

COI for GCs

Certificates ready before you get on the roof.

Exemptions

Understand what officer exemptions really allow.

Declined before?

That is our specialty.

Roofers we help

✅ Residential & commercial roofing
✅ Re-roofs, repairs, new construction
✅ Subcontractor-heavy crews
✅ Previously declined / non-renewed

Get a Roofing Quote Review

Ready for a straight quote review?

Florida-focused workers comp help for high-risk contractors — no pressure.

Get My Free Quote Review

People Also Ask

Why is roofing workers comp so expensive in Florida?

Roofing carries one of the highest injury rates of any trade, so its class code (NCCI 5551) has a high rate per $100 of payroll. Fall risk and Florida’s storm-driven roofing volume push premiums up further.

Can a roofer get a workers comp exemption in Florida?

A roofing company’s corporate officers or LLC members may file a construction exemption on themselves — up to three per business — but actual employees and most subcontractor labor must still be covered.

Do I need workers comp for subcontractor roofers?

Usually yes. In Florida construction, subcontractors without their own valid coverage or exemption are generally treated as your employees for workers’ comp, so their payroll can be pulled into your audit.

Explore more

Last updated: July 2026 · WorkCompTeam — Florida workers’ compensation lead generation. Not legal or insurance advice.