Purpose-built tools for roofing contractors. EMR calculators, health funding projections, OSHA safety resources, compliance checklists, and regulatory alerts. All in one platform.
You learn your EMR once a year at renewal. No dashboard, no trend line, no early warning. By the time you see the number, it's too late to change it.
"Improve your safety program" is not a plan. You need to know which specific claims are driving your mod, which are still open, and what closing them would do to your number.
Actuarial multipliers mean nothing. You think in dollars per job, dollars per crew, dollars per year. You need to see "your EMR costs you $X more" to feel urgency.
See exactly how your Experience Modification Rate affects your workers' comp premium. Enter your payroll and EMR to see the dollar impact and what you'd save by improving it.
Compare your health insurance costs across fully insured, level-funded, self-funded, and PEO options. See which funding strategy saves your roofing company the most.
52 roofing-specific bilingual toolbox talks, pre-job safety checklists for 6 job types, one-tap incident reporting, and OSHA audit-ready documentation. Built for the field.
What every roofer needs to know about insurance in 2026. Coverage deep dives, EMR playbook, state-by-state spotlight, subcontractor risk, storm season prep, and a 10-point self-audit checklist. 28 pages.
70% of contractor COIs are non-compliant. This printable checklist covers everything you need to verify before hiring a sub, what your contracts should include, how to monitor ongoing coverage, and the red flags that signal a fake or expired certificate.
Insurance and licensing regulations change constantly. Get plain-English alerts for your state covering carrier actions, OSHA updates, code changes, and new laws that affect your roofing business. Free for all contractors.
Every roofing contractor's biggest savings lever is their EMR. We start there. Our tools track it, our advisors analyze it, and our safety programs actively reduce it. Most brokers don't even mention EMR until renewal.
Bilingual OSHA safety toolbox talks for roofing crews. Subcontractor compliance checklists. NCCI class code 5551 benchmarks in the EMR Calculator. State regulatory alerts. Not generic construction software.
Access to preferred carrier programs and group-rate structures. Average WC premium reduction of 22% in year one. Pay-as-you-go billing to improve cash flow and eliminate audit surprises.
The tools show you the data. Our advisors tell you what to do about it. Quarterly EMR reviews, claims strategy calls, and safety program audits. We don't just give you software and walk away.
Schedule a free 15-minute call with a roofing insurance specialist. We'll pull your actual NCCI mod worksheet and show you exactly where the savings are.
Free · No obligation · 15-minute call · Roofing insurance specialist
This tool applies risk management frameworks specific to the roofing and construction industry, where insurance costs represent 8-15% of total project costs and experience modification rates directly impact bid competitiveness. Industry data is drawn from NCCI construction class code experience, OSHA inspection databases, and carrier loss ratio reports for the roofing sector.
The analysis incorporates key risk metrics including EMR trending, OSHA recordable incident rates (DART and TRIR), and subcontractor insurance verification requirements that are increasingly demanded by general contractors and project owners. Regulatory compliance costs are estimated based on current federal OSHA standards and state-plan state requirements where applicable.
Roofing contractors with EMRs below 0.85 and documented safety programs typically qualify for preferred insurance pricing and gain access to larger commercial projects. The ROI of safety and compliance investments shown here is calibrated against industry benchmarks from the National Roofing Contractors Association (NRCA) and the Construction Industry Institute (CII).
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.