Workers Compensation Insurance for Roofers

Roofing contractors rank among the highest workers compensation exposures in construction. As an independent agent, you need a market that understands the hazards of working at heights, heavy material handling, and variable job-site safety. Novatae Risk Group, in partnership with Empire Underwriters, offers a targeted Workers Compensation Insurance for Roofers program built to place difficult, high-exposure, and multi-state roofing accounts.

Backed by more than 30 years of underwriting and program placement experience in roofing and construction, this program helps agents place accounts that traditional carriers decline. Novatae provides access to a panel of “A” rated carriers across admitted and non-admitted markets, and offers flexible structures for accounts with elevated MODs, recent losses, lapsed coverage, or complex payroll and employee mixes.

Target Accounts and Appetite

• Roofing contractors with experience MODs of 1.30 or higher
• High-hazard roofing classifications and tough construction classes
• Accounts in state pools or assigned risk funds
• New ventures and startups with limited or no prior coverage
• Cancelled, non-renewed, or hard-to-place accounts
• Multi-state operations and contractors with complex exposures
• Mixed workforce compositions—including blue, gray, and white-collar roles

If you’re facing an insured who has been turned away by standard markets, Novatae’s program is structured to step in where others won’t. The appetite is broad but focused on roofing-related risks—very high-risk specialty trades outside typical roofing operations may be referred to other markets.

Program Highlights

• Access to top-rated carriers (“A” Rated) across admitted and non-admitted markets
• Fast turnaround on submissions and competitive quote response times
• Stand-alone Workers Compensation policies and flexible plan options
• Guaranteed cost, dividend, and retro plans to match risk appetite
• High-deductible programs and captives-friendly structures where appropriate
• Integrated risk-management services and loss-control resources
• Custom account handling for complex, multi-state, or high-loss accounts

Underwriting Notes and Submission Requirements

• Completed ACORD 130 application
• 3–4 years of loss runs
• Supplemental questionnaire for roofing operations
• Details on any large or catastrophic losses

The program is designed to evaluate the full risk picture—payroll mixes, subcontractor use, safety and return-to-work programs, and prior claim patterns all factor into placement and pricing. For accounts with significant prior losses, providing detailed loss narratives and corrective action plans will improve placement chances.

Program Availability and Minimum Premium

This program is available in most states, including AL, AK, AZ, CA, FL, GA, IL, NY, TX and many others. Coverage can be placed through admitted or non-admitted carriers depending on state rules and account specifics. The minimum premium for this program is $10,000.

Why Work With Novatae Risk Group?

Novatae Risk Group, together with Empire Underwriters, combines deep roofing and construction expertise with broad market access. We focus on solutions for agents who need to place challenging workers compensation risks: high MODs, multi-state payrolls, lapses, and accounts with prior loss activity. Our underwriting team provides practical, market-ready options and works with agents to structure submissions for the best possible outcomes.

Example scenarios you can place through this program:

• A regional roofing contractor with a 1.6 experience MOD and a recent large medical claim seeking a multi-state program and loss-containment plan.
• A startup roofing business with strong safety protocols but no prior coverage—seeking an entry solution while building a loss history.

Need a quote for your roofing client? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today.