Get a complimentary Cost of Risk Audit — a 45-minute financial health check of your entire roofing insurance program.
Request Your Free AuditAre you in the right class codes? Is your EMR accurate? We verify the NCCI worksheet line by line — errors here cost thousands.
Do your limits meet current GC requirements? With trends pushing to $3M/$5M aggregate, many roofers are underinsured without knowing it.
Are you covered after the job is done? Roof leaks discovered 2 years later still come back to you. We check for gaps in your completed ops coverage.
Is your fleet properly scheduled? Hired and non-owned auto gaps are one of the most common exposures we find in roofing programs.
Tools and equipment on job sites are vulnerable to theft, damage, and weather. We verify your inland marine coverage matches your actual equipment value.
Are your umbrella limits sufficient for your contract requirements? One serious claim can exceed primary limits. We ensure your excess layer is adequate.
Are your subs actually protecting you? We review your sub agreements, COI requirements, and additional insured endorsements for gaps.
Where is your experience mod heading and why? We project your next EMR based on current open claims and show you how to change the trajectory.
Are open claims being managed to minimize EMR impact? We review every open claim for settlement strategy, reserve accuracy, and closure timeline.
What's missing that could put your business at serious financial risk? We identify uninsured exposures most roofing contractors don't know they have.
Fill out the form below and we'll schedule your complimentary 45-minute Cost of Risk review.
This analytical tool models cost of risk audit scenarios using published industry benchmarks and regulatory data. Results represent directional estimates suitable for planning purposes. Actual outcomes will vary based on your specific employee demographics, claims history, carrier relationships, and plan design decisions.
The methodology applies a composite rate approach adjusted for key demographic and geographic factors. Where state-specific regulatory requirements affect cost structures or plan design options, those constraints are reflected in the baseline assumptions. Data sources include CMS filings, BLS occupational statistics, NCCI rate tables, and proprietary benchmarking databases.
For a comprehensive analysis tailored to your organization, including carrier-specific quotes and plan design optimization, contact our consulting team. The difference between generic projections and a customized analysis can be substantial — particularly for employers with non-standard risk profiles or multi-state operations.
This analysis draws from the following primary data sources:
Methodology note: All projections use a composite rate approach with demographic adjustment factors. State-specific regulatory constraints are reflected in baseline rate assumptions. Results are directional estimates intended for planning purposes.