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Roofing Contractors: Workers Compensation Insurance for High-Risk Work

  • Nate Jones
  • Sep 11, 2025
  • 2 min read

Roofing is one of the most hazardous trades in the construction industry. With risks ranging from falls, equipment injuries, and extreme weather exposure, roofing contractors face unique challenges that demand comprehensive workers compensation insurance.

work comp for roofing contractors

At Total Work Comp, we specialize in helping roofing contractors across the United States secure the right coverage at the best price. We work with multiple insurance carriers to tailor policies that protect your crew and your business.


⚠️ The Risks Roofing Contractors Face

Roofing work involves:

  • High elevation exposure: Falls from roofs or ladders are a leading cause of injury.

  • Heavy equipment use: Nail guns, compressors, and other tools can cause serious harm.

  • Weather-related hazards: Heatstroke, slippery surfaces, and wind-related accidents are common.

  • Material handling: Lifting and transporting shingles, tiles, and other materials can lead to strains or sprains.

These risks make roofing a high-risk classification in workers compensation underwriting, which is why having the right policy is critical.


🛡️ What Does Workers Compensation Insurance Cover?

A roofing contractor’s workers compensation policy typically includes:

  • Medical expenses for injured workers

  • Lost wages during recovery

  • Rehabilitation costs

  • Death benefits in case of fatal accidents

  • Legal protection against employee injury claims

Without proper coverage, a single accident could financially devastate your business.


💼 How Total Work Comp Helps Roofing Contractors

We understand the roofing industry and its insurance challenges. Here’s how we make it easier:

  • Nationwide coverage: We serve roofing businesses in all 50 states.

  • Multiple carrier quotes: We shop around to find the best rates and coverage.

  • Fast turnaround: Get your quote quickly so you can stay focused on your projects.

  • Dedicated agents: Our team knows roofing and will guide you through every step.

Whether you're a small residential roofer or a large commercial contractor, we’ll help you find a policy that fits your needs and budget.


📞 Get Your Free Roofing Work Comp Quote Today

Don’t leave your business exposed. Contact Total Work Comp today for a free workers compensation insurance quote tailored to roofing contractors.


👉 Call us at 317-942-0549 or visit Total Work Comp’s official site to get started.

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